N26 is a 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 used to people off using N26 in Ireland is that they didn’t offer joint accounts.
This changed in April 2024 – when N26 began offering joint accounts for customers in Ireland .
A Joint account on N26 has a dedicated IBAN that you can use to set up recurring payments for shared bills like rent and utilities, and link your N26 card to make payments with your shared money.
If you already have a personal N26 account, you may open a maximum of one joint account with one other person.
First you need to open a personal N26 account. Then you can be invited to be a joint account holder, or open a joint account yourself.
Like any other joint bank account – each account holder has full legal ownership of your shared finances, so you’re in full, equal control.
There are no extra charges for a joint N26 account.
Visit N26 Website
Revolut Joint Accounts
Joint Accounts have been available on Revolut since April 2023.
Revolut is also very popular in Ireland and has over 25 million customers globally.
Revolut calls itself a ” global financial super-app “.
Revolut launched in July 2015 as a money-transfer service before expanding its services to include digital banking, loans, stock trading and cryptocurrency.
Since March 24th 2022 , Revolut has been operating as a fully licenced bank in Ireland and funds of up to €100,000 are guaranteed by the Lithuanian State Company Deposit and Investment Insurance.