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N26 accounts in Portugal: what are they and how to join?

N26 accounts in Portugal are varied, as are their benefits. It has free annual fees, online membership and more benefits. So, find out more about them and choose the best one for you!

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Find out what N26 accounts are in Portugal and the benefits of each one!

Mão negra segurando celular com Mãos segurando celular mostrando contas N26 em Portugal na tela
See what N26 accounts are in Portugal and what each of them offers, and how to join. Source: N26.

Those looking for ease in their financial lives will find very interesting options in N26 accounts in Portugal. After all, they have low maintenance fees, even if they don't dispense with them.

In addition, they have online membership and benefits. Therefore, these are accounts that can make everyday life easier when it comes to using and controlling money.

cartao n26 you

How to request the N26 You card?

The N26 You credit card has several advantages, such as a points program, Mastercard brand and international coverage. Find out how to request yours here!

So, how about finding out more about each of them? So, below, see which are the main ones and what each of them offers. Keep reading and find out more!

How does N26 work?

Firstly, N26 is a digital bank that works in several European countries. It offers services such as digital accounts and cards. Therefore, it seeks to make people's daily financial lives easier with practical and simple solutions.

In summary, N26 has 4 different account options: Digital, Smart, You and Metal. Continue reading and check out the details of each of them and see how to join the one that is best for you.

See which are the best N26 Accounts in Portugal for you!

So find out right now which N26 accounts are available in Portugal. So, check out the advantages and characteristics of each of them and find out which one to choose!

N26 Digital Account 

The first among N26 accounts in Portugal is the digital type. It is the simplest, but it also has several features that can be very useful. Check it out below!

AnnuityDuty free
CardMastercard International
Celular com app N26

How to open your digital account on N26?

The N26 digital account has numerous advantages, such as an app to take care of your finances and online membership. Find out how to open your N26 account here!

Main attractions of the Digital N26 account

The N26 Digital account brings some facilities for everyday life. In this sense, it comes with an international debit card with the Mastercard brand. Check out the main attractions of this bank account:

  • Online membership;
  • Up to 3 free monthly withdrawals in the Eurozone;
  • Application for financial transactions and monitoring;
  • In-app chat service;
  • Free transfers.

Therefore, it is very simple. However, for those who are just looking for an account to make managing their money easier, it can be a very interesting option.

N26 Smart Account

The N26 Smart account is a little more elaborate than the previous one. Therefore, it already has annual fees, even though they are low. 

Annuity€4.90/month
CardMastercard International
conta N26 Smart

How to open an N26 Smart account?

The N26 Smart account is an excellent option! Discover step by step how to open your N26 Smart account.

Main attractions of the N26 Smart account

This is an account that is also digital, but has more benefits than the previous one. It comes with an international debit card with the Mastercad brand. Therefore, it can be used all over the world!

Check out the main advantages of this N26 account in Portugal:

  • Online membership;
  • 5 free monthly withdrawals in the Eurozone;
  • Up to 10 subaccounts;
  • Personalize your debit card;
  • Application to track and make financial transactions;
  • Debt rounding program to save money;
  • Premium offers and benefits.

N26 You account

Another of the N26 accounts in Portugal is the You type. It has the benefits of the previous ones – with the exception of the free annual fee for the digital account – and has even more benefits. Get to know them!

Annuity€9.90 per month
CardMastercard International
Cartões N26 sobre mesa de comida e mão segurando cartão N26

How to open N26 You digital account?

Digital, secure and with online membership. Discover here the step-by-step guide to opening an N26 You account, an account full of advantages!

Main attractions of the N26 You account

Like previous accounts, N26 You is digital. Therefore, it allows online membership. Despite having an annual fee, it comes with a series of benefits that can be advantageous.

Additionally, you have an international debit card with the Mastercard brand.

See the main benefits of this account:

  • Online membership;
  • Up to 10 subaccounts;
  • 5 free withdrawals per month in the Eurozone;
  • Fee-free withdrawals outside Europe;
  • Travel insurance;
  • Free transfers.

N26 Metal Account

Finally, the fourth and last of the N26 accounts in Portugal is Metal. It is the most robust, so it comes with the best benefits. Know more!

Annuity€16.90 per month
CardMastercard International
Cartão N26

How to open an N26 Metal account?

The N26 Metal account gives you access to countless benefits! Find out how to open your account and still be entitled to up to 10 sub-accounts!

Main attractions of the N26 Metal account

This account has the highest annual fee rate among N26 options. However, it also comes with the greatest number of advantages. So, it could be a good choice depending on what you are looking for.

Again, the account comes with a free debit card. It is international and has a Mastercard brand. See other benefits:

  • Online membership;
  • Up to 10 subaccounts;
  • 8 free withdrawals per month in the Eurozone;
  • Fee-free withdrawals outside Europe;
  • Travel insurance, including medical assistance;
  • Free transfers.

How to join N26 accounts in Portugal?

Tela de celular com cartão N26, simbolizando Contas N26 em Portugal
Discover N26 accounts in Portugal. Source: Unsplash.

To do this, you must pre-register on the N26 website. This bank forms a waiting list for its future customers. So, when it's your turn, you receive a notification to continue your membership.

Therefore, N26 accounts in Portugal are not ideal for those looking for immediate financial solutions and products. There is no way to skip the waiting line and it is not possible to determine the period until the account is actually opened.

Do you want to know more about N26 accounts in Portugal?

If you're still looking for more details about the benefits and disadvantages of each of the N26 accounts, don't worry. We've already talked about them here and we have the perfect content for you to find what you're looking for.

To do this, click on the link below and see a comparison between the N26 Metal and N26 You accounts. This way, you can get to know them and choose which one is best for your profile!

N26 Metal ou N26 You

N26 Metal Account or N26 You Account: which is best?

If you are in doubt between the N26 Metal or N26 You account, know that both are digital 100% and offer exclusive advantages. Compare!

About the author  /  Aline Augusto

My name is Aline Mesquita, I'm a writer here on the blog, where I write about finance in general, as well as other topics. I have been working with content creation for 10 years, with a postgraduate degree in Project Management, with expertise in SEO practices, in addition to studying finance, market trends and cryptocurrencies.

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