N26 Bank GmbH, Sucursal en España

N26 Bank GmbH, Sucursal en España, is the Spanish branch of N26 Bank GmbH, a German credit institution authorized in Germany and operating in Spain under the EU passporting regime. Customer accounts are held with N26 Bank GmbH and protected up to €100,000 per depositor by the German statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken); the branch is listed in the Banco de España register and is subject to conduct supervision in Spain, while prudential supervision remains with BaFin and the European Central Bank. The bank offers app-based current accounts with Spanish IBANs that support SEPA transfers and direct debits, a Mastercard debit card for ATM withdrawals and card payments, and compatibility with Apple Pay and Google Pay. Product tiers include a free plan and paid subscriptions with monthly fees; typical functions include real-time transaction notifications, spending categorization, sub-accounts (“Spaces”) and shared budgeting, card controls, and configurable limits. Some plans provide insurance or travel-related benefits via third parties, and the app may offer savings options with variable interest and investment or crypto features delivered through partners; availability and pricing vary by plan and can change. Account opening is remote via the mobile app with identity verification; eligibility depends on residency, supported IDs, and compliance checks. Standard payment services include domestic and cross-border SEPA, instant transfers where available, and ATM access on the Mastercard network; international card transactions settle at network rates and may incur surcharges depending on the plan and location, and third-party ATM operators can apply their own fees. Business accounts for freelancers and self-employed are available in Spain with a similar feature set. The bank operates without physical branches; customer service is provided through in-app chat and online channels, with telephone support availability depending on the selected plan. As with other digital banks, transaction monitoring and anti-money-laundering controls can lead to requests for documentation, temporary holds, or account closures in certain cases, and cash-based services are limited compared with traditional banks. Fees apply for some services such as replacement cards, extra withdrawals beyond plan allowances, international usage, and expedited or partner services; the current tariff and terms, including interest rates and insurance coverage conditions, should be reviewed before opening an account. Complaints follow N26’s internal procedure and can be escalated to the Banco de España claims service if unresolved; deposit protection is provided by the German EdB, not the Spanish Fondo de Garantía de Depósitos.