Joint Accounts and N26

N26 is the most popular fully digital bank in Ireland and they have over 5 million customers globally.
It is a fully licenced EU bank and the German Bank Guarantee covers all funds in N26 (up to €100,000).
There are no branches and accounts are operated using the N26 app on a smartphone or on a PC. (Smartphone required to set up an account)

Irish residents can sign up for N26 here


N26 and Joint Accounts

One thing that puts some people off using N26 in Ireland is that they don’t currently allow joint or shared accounts. You get just one debit card with N26 and the N26 app can only be activated on one phone.
But there are some ways around this to enable a free N26 bank account to be used almost like a joint account.

N26 works with Google Pay and Apple Pay and it is possible to register the N26 card with Google Pay or Apple Pay on more than one device.

If a couple were to do that – then they could both make purchases using the N26 card without actually both having access to the physical card.
One of them could also keep the actual card and use that when needed too.

Also – because N26 also allows account access via PC / Mac – then it is possible for a couple using N26 to view transactions and balances without both people having access to the phone with the N26 app installed on it.


Visit N26 Website


Shared Spaces on N26


N26 have a new feature called Shared Spaces. This is only available on the paid-for N26 You” account (€9.90 a month.) It is similar to a joint account – but not the same.


Shared Spaces allows 2 or more (max 10) N26 account holders to share money together in one place. One N26 account holder sets up the shared space and invites others to join.

The person who originally created the shared space is the sole owner of the space and the funds in it, but they are granting ‘Power of Attorney’ to the other participants to allow them to transfer money in and out.

For example – the main account holder sets up a shared space with their partner. The partner agrees to transfer €500 a month to the shared space to cover bills. The main account holder then transfers money from the shared space into the “main” account.
Each participant can easily transfer money between the shared space and their own N26 account, and even keep track of all transaction activities just by viewing the space details.

Bunq allows Joint or Shared Accounts .

The bunq joint account costs €9.99 per month and also caters for joint accounts. You can add another person and they get access to the account and they get a card too. (Extra fee of €2.99/month)

More about Bunq here


Revolut is also popular in Ireland. It is an “electronic money institution” , not a bank. Revolut does not allow joint or shared accounts – but they do allow the issuing of second debit card. Both cards can be active at the same time – so this would be a workaround for a couple wanting to use Revolut like a joint account. They could also register the Revolut card on separate devices with Apple Pay or Google Pay.

Revolut and N26 Compared

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