Money & Banking
Banking
N26
I need a proper bank account in Spain, in English, without going to a branch.
N26 is a digital bank that issues a Spanish IBAN and activates Bizum — account opening takes about 10 minutes on your phone.
Why it rocks
- ✓The most consistently recommended neobank for people arriving in Spain
- ✓English-first interface — no Spanish required at any point
- ✓Spanish IBAN from day one, so direct debits and transfers work without issues
- ✓Bizum built in — you can send and receive money the way everyone in Spain does
Heads up
- ✗No physical branches — support is chat and email only
- ✗Mastercard only — a small number of Spanish merchants are Visa-only
Cost: Free standard account. Paid plans from €4.90/month.