N26: Free account with a virtual debit card and 2 free euro ATM withdrawals a month

Terms

Reward

No reward. The Estándar plan is free.

Requirements

• Valid ID or passport plus a Spanish NIF or NIE
• Legal address in Spain and a smartphone

Fees

€0/month. Free virtual debit card; physical card EUR 10. 2 free euro withdrawals a month, then fees apply. ATM withdrawals outside the eurozone 1.7%. Card payments worldwide free. Cash26 deposits 1.5%. Paid plans - Smart EUR 4.90, Go EUR 9.90, Metal EUR 16.90 a month.

Penalty

None stated

Eligibility

• Residents only: Yes
• NIE or TIE accepted: Yes
• Open to non-residents: No
• Requires a Spanish NIF or NIE and a legal address in Spain (from the expat account page).

Valid until

No end date stated

Checked

22 Oct 2026(today, confirmed by the bank)

Source

https://n26.com/es-es/cuentas(opens in a new tab)

Notes

Eligibility from https://n26.com/es-es/cuenta-bancaria-para-expats. N26 runs a monthly prize draw for payroll customers (10 winners double a payroll of up to EUR 10,000; EUR 800+ a month; sign up between 4 Sep 2026 and 28 Feb 2027) and a bill-refund draw (100 winners, up to EUR 100, sign up to 31 Dec 2026). These are draws, not guaranteed bonuses, so no salary offer is listed. The referral reward amount is shown only in the app. Deposits are covered by the German scheme up to EUR 100,000.