How to open a N26 Bank account—from anywhere*

I just got turned down by them as an American setting up an American account because I don’t have a rental/mortgage agreement and utility bill to verify a set home address.

I’m wondering if I’ll be able to set up a EU account at some point after that denial.

My account was closed today, because I should leave in Europe if I want to have the account , I hope they will back the money that were on my cardđŸ„ș now I need to find other banks that can be opened in Europe without been there or US bank with a card. I am Ukrainian living in Mexico. Guys do you know an online bank that can send the card to Mexico or US( I have a friend there)

Pairing your app to your account just got more difficult. If you are in EU, you will need an EU SIM. They cannot send the code otherwise and despite their own online support articles, their service center cannot provide this code. What is most annoying is that one agent said they would be able to give me this code after receiving my card in the mail and the next agent, after providing all sorts of verifying information (and waiting 30-45 minutes) said I could not be helped.

“Moving forward, we’ll need to adhere to two-factor authentication (2FA). 2FA is obligatory due to EU regulation since September of 2019. This new form of verification is mandatory. We must follow this as it is a legal requirement. I apologize for this inconvenience and I really do understand that this is not ideal for you. However, if you can just provide a European number, you will be able to recieve this code.”

Pick up a prepaid EU SIM for 5 euros. There are many that just require you to make 1 text or call per year to keep it active. There’s another thread that lists providers that don’t enforce their fair usage outside EU rules.

The information in this post is outdated. As of right now, 30 Sept. 2019, N26 only accepts customers in Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, the UK and the US. Residents of other countries are rejected, and existing customers in those countries are having their accounts closed.

Thanks for the update. I’ll make sure the article gets updated.

What’s your source regarding this? I believe N26 in the past have allowed those who already opened an account in a previously supported country to keep their account.

Can I send money to a friend who is using N26 euro card from my bank in the USA

I have a Spanish Orange sim card in my phone and I cannot reload it with my N26 card. Also now that they are using smartphones to authenticate your login I can no longer access my account because my account is paired with my north american phone. and they don’t send texts to NA numbers.

Try reloading it from the main Orange website here. The Spanish Orange website only accepts cards issued in Spain.

You can use Transferwise or send a wire transfer.

Beware that rules says that yoy cannot stay/use the card abroad for more tahn 18 months. Meaning that (I think) that at least once every year and a half, you need to use tge card within the eurozone

As a resident in Algeria, and have a friend in USA for a delivery address. WHAT are my options for a N26 account? The EU or US account? Thanks

@Rani_Jus A US based account requires an SSN and may require additional address verification according to this Nomad Gate article.

To sign up for the EU account, you just need a mailing address in a supported EU country.

Therefore, it’s much easier signing up for the EU account especially if you have a friend that lives there.

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Thank you so much