N26 for Non Residents - Banking and finances in Vélez-Málaga - Vélez-Málaga forum - Costa del Sol forum in the Malaga province of Spain
CLASES DE CONVERSACIN EN ESPAOL
Travel Caddy Costa del sol
ASSSA Insurance

Join the Vélez-Málaga forum

Join the Vélez-Málaga forumMy name's Alex and this is my website all about Vélez-Málaga in Spain. Register now for free to talk about Banking and finances in Vélez-Málaga and much more!

N26 for Non Residents

Posted: Sun Oct 9, 2022 11:11am
35 replies479 views6 members subscribed
Andrew14

Andrew14

Helpful member

Posts: 154

54 helpful points

Location: Vélez-Málaga

Joined: 26 Mar 2019

Hi, any UK residents on here opened an Spanish N26 account, if so how did you overcome the first page of the application which if you state you're a UK resident the N26 not available?

I have searched on here & plenty of posts stating all you need is a spanish address & NIE (I have both) but that doesn't get me past the resident question. (I am reluctant to state that I am resident in spain when I am not)

Am sure I saw a post from UK resident saying they contacted N26 who allowed them to open an account with Spanish address but cannot find the post.

I did send an email to N26 helpline but their reply just confirmed what the website says, i.e. not available to UK residents. 

Hoping UK residents with N26 account will see this & reply

Regards

Andrew

Holaitsdavid

Posted: Sun Oct 9, 2022 11:27am

Holaitsdavid

Helpful member

Posts: 1053

381 helpful points

Location: Mijas Costa

Joined: 30 Mar 2021

Posted: Sun Oct 9, 2022 11:27am

The answer simple, you cannot state you are a UK resident, the problem being UK no longer in the EEA/EU - Single Market that covers trade in financial services and N26 headquartered in Germany, they shut down the UK operation. However, if you have an NIE and Spanish address you should be fine. You could try Wise - https://wise.com/gb/blog/introducing-gbp-and-eur-direct-debits

Andrew14

Posted: Sun Oct 9, 2022 2:40pm

Andrew14

Original Poster

Helpful member

Posts: 154

54 helpful points

Location: Vélez-Málaga

Joined: 26 Mar 2019

Posted: Sun Oct 9, 2022 2:40pm

Thanks David, I'll have a look at Wise. 

re N26, I suppose what I really want to know is how any UK residents managed to get past the 1st question regarding residency

As you say (& I already knew) you can't say you're Spanish resident if you are not but that's the stumbling block in trying to open an account via their website.

Holaitsdavid

Posted: Sun Oct 9, 2022 5:56pm

Holaitsdavid

Helpful member

Posts: 1053

381 helpful points

Location: Mijas Costa

Joined: 30 Mar 2021

Posted: Sun Oct 9, 2022 5:56pm

Andrew14 wrote on Sun Oct 9, 2022 2:40pm:

Thanks David, I'll have a look at Wise. 

re N26, I suppose what I really want to know is how any UK residents managed to get past the 1st question regarding residency

As you say (& I already knew) you can't say you're Spanish resident if you are not but that's the stumbling block in trying to open an account via their website.

I don't think they did go past it, apart from a while back when N26 was in the UK.

 https://sifted.eu/articles/n26-brexit-uk/

Jeffers

Posted: Wed Oct 12, 2022 7:11pm

Posts: 83

11 helpful points

Location: La Cala De Mijas

Joined: 14 Mar 2021

Posted: Wed Oct 12, 2022 7:11pm

Andrew14 wrote on Sun Oct 9, 2022 2:40pm:

Thanks David, I'll have a look at Wise. 

re N26, I suppose what I really want to know is how any UK residents managed to get past the 1st question regarding residency

As you say (& I already knew) you can't say you're Spanish resident if you are not but that's the stumbling block in trying to open an account via their website.

I've set up a Wise account.

Added my Wise vitual debit card to my Google Wallet.

Paid £5 to get my optional debit card.

Just transferring some euros from my Sabadell account to my Wise account.

Then I'll start transferring my DDs from Sabadell to Wise.

Once all my DDs are working I'll close my Sabadell account.

Advertisement - posts continue below

Andrew14

Posted: Wed Oct 12, 2022 7:53pm

Andrew14

Original Poster

Helpful member

Posts: 154

54 helpful points

Location: Vélez-Málaga

Joined: 26 Mar 2019

Posted: Wed Oct 12, 2022 7:53pm

Jeffers wrote on Wed Oct 12, 2022 7:11pm:

I've set up a Wise account.

Added my Wise vitual debit card to my Google Wallet.

Paid £5 to get my optional debit card.

Just transferring some euros from my Sabadell account to my Wise account.

Then I'll start transferring my DDs from Sabadell to Wise.

Once all my DDs are working I'll close my Sabadell account.

Thanks for the update Jeffers. I too have signed up to Wise, & will have a card waiting when I return to UK. Not done anymore than that yet, think I’ll set up a test DD, see how that goes & transfer everything after that

Jeffers

Posted: Wed Oct 12, 2022 8:23pm

Posts: 83

11 helpful points

Location: La Cala De Mijas

Joined: 14 Mar 2021

Posted: Wed Oct 12, 2022 8:23pm

Andrew14 wrote on Wed Oct 12, 2022 7:53pm:

Thanks for the update Jeffers. I too have signed up to Wise, & will have a card waiting when I return to UK. Not done anymore than that yet, think I’ll set up a test DD, see how that goes & transfer everything after that

Doing a test DD that won't cause me a lot of pain if it doesn't work is what I am planning to do as well.

I need to get some euros in my Wise account before changing the DD to take the euros from my Wise account.

Jeffers

Posted: Thu Oct 13, 2022 12:05pm

Posts: 83

11 helpful points

Location: La Cala De Mijas

Joined: 14 Mar 2021

Posted: Thu Oct 13, 2022 12:05pm

Jeffers wrote on Wed Oct 12, 2022 8:23pm:

Doing a test DD that won't cause me a lot of pain if it doesn't work is what I am planning to do as well.

I need to get some euros in my Wise account before changing the DD to take the euros from my Wise account.

Hit my first problem using Wise.

I ask the administrator of my urbanisation to stop doing a DD against my Sabadell bank account and take the DD from my Wise bank account, supplying my Wise IBAN which is a Belgium bank.

This was my administrator's reply:- 

"Good morning, the direct debit account number must be an account number from a Spanish bank, we cannot remittances to an account outside of Spain.

Kind regards"

I hope the other Spanish organisations that DD my Sabadell bank account don't tell me the same.

I have DDs for:-

  1. Urbanisation fees, administrator
  2. Broadband
  3. Water
  4. Electric
  5. Local council taxes, get 5% discount when paying by DD
Anyone else have this issue with DDs having to be from a Spanish bank account?
How did you overcome the issue?

Kerri

Posted: Thu Oct 13, 2022 2:48pm

Kerri

Helpful member

Posts: 479

188 helpful points

Location: Casares

Joined: 5 Sep 2018

Posted: Thu Oct 13, 2022 2:48pm

Jeffers wrote on Thu Oct 13, 2022 12:05pm:

Hit my first problem using Wise.

I ask the administrator of my urbanisation to stop doing a DD against my Sabadell bank account and take the DD from my Wise bank account, supplying my Wise IBAN which is a Belgium bank.

This was my administrator's reply:- 

"Good morning, the direct debit account number must be an account number from a Spanish bank, we cannot remittances to an account outside of Spain.

Kind regards"

I hope the other Spanish organisations that DD my Sabadell bank account don't tell me the same.

I have DDs for:-

Urbanisation fees, administratorBroadbandWaterElectricLocal council taxes, get 5% discount when paying by DDAnyone else have this issue with DDs having to be from a Spanish bank account?
How did you overcome the issue?

WOW, this is just terrible.  I could see the Govt of Spain but your administrator?  That to me is pure and utter 'crap' because Wise is an EU bank.  

I have just set up both Revolut and N26 and was planning on testing the DD system which is where I expected things to break down myself.

I know that N26 has a Madrid office but not sure if this would classify it as a "Spanish Bank" so I might run into the same problem.  Everywhere 'tightening the noose' on the average citizen.

Andrew14

Posted: Thu Oct 13, 2022 5:46pm

Andrew14

Original Poster

Helpful member

Posts: 154

54 helpful points

Location: Vélez-Málaga

Joined: 26 Mar 2019

Posted: Thu Oct 13, 2022 5:46pm

Kerri wrote on Thu Oct 13, 2022 2:48pm:

WOW, this is just terrible.  I could see the Govt of Spain but your administrator?  That to me is pure and utter 'crap' because Wise is an EU bank.  

I have just set up both Revolut and N26 and was planning on testing the DD system which is where I expected things to break down myself....

...

I know that N26 has a Madrid office but not sure if this would classify it as a "Spanish Bank" so I might run into the same problem.  Everywhere 'tightening the noose' on the average citizen.

I believe N26 have a Spanish IBAN, which the authorities require to accept payments thru. 

Main issue for me, that it’s not open to UK residents. Residency is the first question on the online application, & when you state UK & you cannot proceed further 

Sign up for free or login to reply to this topic

Want to reply to this topic? Login or register for free to post your message:

Find more Banking and finances topics from a particular area:


Register for free!

Login to your account

ASSSA Insurance
CLASES DE CONVERSACIN EN ESPAOL
Travel Caddy Costa del sol
Advertise your business here
Advertise your property
Help with my computer