Did you know that it is possible to open an international account with just your passport and proof of residency in the desired country? Get to know Banco N26 and the facilities it offers for those who live abroad  

Opening an account abroad has always seemed bureaucratic and almost inaccessible for those who want to live abroad, whether for an exchange, backpacking or even for work. Having a bank account in another country, above all, facilitates transactions in foreign currency and is a way to avoid taxation, such as IOF (Tax on Financial Operations). Normally, credit card purchases, withdrawals, payments or international transfers are subject to an increase of 6,38% on top of the conversion value. 

At a time when the Brazilian currency is undergoing a huge devaluation, saving on fees is something that brings peace to any traveler, so open a bank account in europe or in any other country is very worthwhile. It is important to say that if your stay is short, it is best to bring cash, but if you are going to be away for a while, you should know about Banco digital N26, which offers an international bank account in a practical way and 100% online. 

Read too " Os 100 lugares mais lindos para viajar no Brasil

How to open euro account

Photo: Blake Wisz / Unsplash

What is the N26 Digital Bank? 

Banco Digital N26 was created to reduce the bureaucracy of opening foreign accounts, with a process developed entirely for digital for those who wish to live abroad. The best thing is that it can be accessed through the app or website from anywhere in the world and it's still 100% free, there are no opening fees or account maintenance. 

It brings a pure economy proposal for travelers who want to venture around the world in a safe and reliable way. N26 is a German start up that has existed since 2013 and is authorized by the Central Bank, which still guarantees unrestricted financial transactions. It is possible to carry out banking operations such as withdrawal, debit and transfer through MasterCard and Transferwise partners and payments via Google Pay and Apple Pay Store are also authorized. 

How are transactions made on N26?

Purchase transactions via debit or credit card happen normally, as well as purchases on the internet. As the MasterCard brand is accepted all over the world, it is possible to use the card without worries. 

Withdrawing money in the currency of the country you want is also another option, just do it at an ATM. The account also facilitates transfers between accounts both locally and to send money to other countries, for example, from the country of residence to the country of origin. In this case, N26's partner is Transferwise, which is the fastest and most cost-effective way to carry out this type of transaction. For this, you must also create an account on the platform, which is free and does not charge maintenance fees. 

How to register at Banco N26?

Image: Reproduction / N26

In which countries can I register with N26? 

Until now, to open an international account with Banco Digital N26, a person must have an address in some of these countries: Austria, Belgium, Denmark, Estonia, Finland, France, Greece, Iceland, Ireland, Italy, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Switzerland, Sweden, United Kingdom or United States.

It is worth remembering that it is already possible to register in Brazil, as long as the person already has an address and a telephone number in one of these countries. 

The operation is expanding, so always check the website for news, in case the place you want to register an account is not yet available. 

How do I register on the N26?

It's very simple to join the N26 universe and the best news is that you don't need to prove income! To register you need: 

– Be of legal age (over 18 years of age);
– Have an address in one of the countries where N26 is present*;
– For Brazilians, a valid passport number and a telephone number in their country of residence are mandatory. 

*In the case of Brazilians who will use the passport as an identification document to register on N26, a permanent residence permit valid for at least one year is also accepted, but remembering that beforehand, it is necessary to check in which countries the institution is currently operating. For Brazilians who have European citizenship, there is no obligation to present proof of residence, as long as the account is opened with a European passport. However, the bank still does not deliver the cards in Brazil (for now, as there are expansion plans).

Step by step to register in the digital bank N26:

  • Get in on N26 website and choose in the left corner of the screen the country of residence or the territory where you want the card to be sent. You can even choose Brazil, but you will be placed on a waiting list, as the N26 has not yet started operations here; 
  • Then, click “Open Bank Account” to start the process of opening your account; 
  • Fill in your personal data, such as e-mail, telephone and address. This will also be where the card will be sent; 
  • Choose the type of account that best suits your needs: N26 (free) or N26 You or N26 Metal;
  • You will receive an email validation, click this link to start using N26;
  • Download the N26 App from Google or Apple Play Store; 
  • In the application, you will need to confirm your data and send: a photo of your face and another of your passport or other document chosen for verification;
  • Now, the cheering begins! Once approved, the card will be issued and delivered to the chosen location. There are two options for regular delivery (free, which takes up to 10 days) and express delivery which has an extra cost depending on the country and can take 2-3 business days.
How to open an account in Europe

Free European bank account with N26.

What comes next? More advantages of N26 digital account

N26 support is entirely online, via phone, email or chat. Just access the options within the app. It is still possible to choose the desired language: English, German, Spanish, French or Italian.

In addition to being practical and economical, the N26 application also offers an automatic categorization of expenses, that is, it is also a way for the user to understand through artificial intelligence how financial resources are used.

Read too:

» How to open a bank account in Ireland?
» How to send money from Brazil to N26?
» What is the cheapest way to send money to Brazil?
» Brazil begins digital 100% air boarding trials






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