Pairing your smartphone 4. Adding funds to your N26 account FAQs. In order to open an account, you need a mailing address in one of the countries where N26 operates for them to send you your Mastercard.

As of this writing, N26 operates in all the Eurozone countries, except Malta, Cyprus, Lithuania, and Latvia although the latter two are set to return soon.

See some great alternatives to N26 UK bank accounts. Since July you can also open N26 accounts in the United States , and since August 22 you no longer need an invitation to join.

The first and thirds steps are the same for everyone, but the second step varies depending on your nationality and residency. No matter your residency and nationality, you start by filling out the N26 registration form.

Just go here and click the Start registration button. Finally, you have to agree to their terms and conditions, and optionally opt in to product updates and some privacy settings.

After you have confirmed your email, you can log in to your account and choose which N26 plan you want. Which plans you can choose from depends on which country your delivery address is.

Most plans are available for everyone, but there are some exceptions. The residents of the US can only have the N26 plan.

And the Metal card is not available for Greece, Slovenia, and Switzerland. They offer four different plans:. A free bank account with no hidden fees Your standard N26 account comes with all you need to spend, save and keep track of your money.

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Aside from the total lack of paper, physical locations, limited services and absence nearly all human interaction, N26 is the same as any other bank.

They offer low fees as a result of their business structure, and are expanding the services they offer all the time.

Here is a list of the features that N26 builds into their app, and are included in all their accounts:. The people that founded N26 wanted to create a banking platform that was simple to use, as well as inexpensive for its customers.

Most major banks generate a sizable amount of income from retail banking fees, like overdraft penalties for charges that exceed available funds.

These fees act as a core part of their business model. N26 is focused on delivering commonly used banking services, not a full range of banking services that include insurance, major loans or unsecured lines of credit.

A bank like RBS can offer its clients numerous products, like a mortgage, auto loan, credit card and various insurance products. Sometimes bundling all the products together makes the overall cost lower.

The downside to this is the cost for customers that need simple services like deposit, ATM access and a debit card to cover daily spending.

N26 is geared at younger people who are tech-savvy, and have modest needs when it comes to financial services. It should be clear that N26 is designed to be ridiculously simple.

If you are a EU citizen or resident, then you can sign-up for an account at N26 using their app, or start the process from a web browser on a computer.

Once you successfully complete the above steps, an N26 account of your choice will be open. They will also send you a MasterCard so you can access your funds.

Opening an account at N26 is more or less the same as any bank, but the whole process is done online. Here is a breakdown of what you will have to do.

The N26 registration form covers all the normal personal details that any legally registered bank would need. You will need to provide them with your:.

Once that info is in their system, you can agree to their terms and conditions, and opt into any other programs or privacy settings that they put on your screen.

Then you have to confirm your email, and opt into one of the two N26 plans that are currently available at the moment they plan to expand their services soon.

Once all that is done, you will have to pair your smartphone to the account you just created. Then you will be led through the process of pairing by the app.

It is important to make sure that the phone number you entered in step one is correct, as you will be getting a four digit verification code.

You can change your number later on, but if it was entered incorrectly, you will be stuck at this step. Once verified, you are all but done.