N26
digital bank
N26 is a German mobile bank licensed by BaFin and operating across the EU/EEA and Switzerland. It requires a residential address in a supported country and does not accept US persons or non-resident applicants. The free tier provides a Mastercard debit card and fee-free EUR transactions; paid tiers (Smart, You, Metal) add travel insurance, ATM withdrawals, and cashback. Business accounts (N26 Business) earn 0.1% cashback on purchases. N26 exited the US and UK markets; it operates exclusively in eurozone and select European countries.
Details
- Headquarters
- Germany
- Currencies
- 1
- Monthly Fee
- Free
- Non-Residents
- Not accepted
- US Persons
- Not accepted
- Debit Card
- Available
- Business Account
- Available
Opening Requirements
- •EU/EEA/CH residential address
- •Government-issued photo ID
- •Video or NFC-based identity verification
- •Valid phone number
Restricted Nationalities
Not available to nationals of: united-states, north-korea, iran, cuba, syria
Nationality Acceptance Matrix
Who this provider will and will not onboard. Refusals are listed first. Sourced from the provider's own published terms and recent public onboarding reports — confirm with the provider before applying.
| Nationality | Accepted | Notes |
|---|---|---|
| us | NO | US persons categorically excluded; N26 exited the US market in January 2022 and will not open accounts for US nationals. |
| uk | NO | N26 exited the UK market in April 2020; UK nationals cannot open accounts. |
| russia | NO | Russian nationals blocked; N26 complies with EU sanctions packages. |
| iran | NO | Blocked — EU/OFAC sanctions; Iran on restricted list. |
| cuba | NO | Blocked — OFAC Cuba sanctions. |
| north korea | NO | Blocked — OFAC DPRK sanctions. |
| syria | NO | Blocked — EU/OFAC Syria sanctions. |
| eu | YES | EU/EEA nationals with an address in a supported country (24 European markets) are the primary customer base. |
| china | YES | Chinese nationals accepted if resident in a supported EU/EEA country with a valid address. |
| myanmar | YES | Accepted if EU-resident; EU sanctions target specific individuals, not the full nationality. |
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