type
status
date
slug
summary
tags
category
icon
password
先说说为什么要开这个账户吧:
- 欧元区iban
- 账户持有成本0
- 不强制税号(德国、荷兰区)
- 护照就能开
- 不需要地址证明(德国不用)
- 不需要居留和签证
- 开户即有虚拟卡,无需接受实体卡验证
- Wise合作银行,可以很方便的给其他十几种货币转账
- 激活wise
- 可以海妖直接入金
- 德国区可上报信用,开通德国AMEX信用卡
我这里直接推荐开德国区N26
现在关门已久的N26又重新开门了!
德国 N26 简单介绍
N26 简介 N26 是成立于2013年的德国持牌银行,在超过20个国家和地区提供服务,拥有超过500万客户。,在2018年还获得了腾讯1.6亿美元的投资。
目前 N26 服务地区包括:
奥地利,比利时,丹麦,爱沙尼亚,芬兰,法国,德国,希腊,冰岛,爱尔兰,意大利,伊拉克,瑞典,荷兰,挪威,波兰,葡萄牙,葡萄牙,瑞典,斯洛文尼亚,西班牙,瑞典,瑞士和美国。
德区N26注册条件
- 护照
- 境外手机号码(我用的是英国号码)
- 德国IP
- 能听懂和说一些简单英语(需要视频验证)
注册步骤
先在网页上完成账号注册
挂德国ip,打开注册页面:
点击注册账号
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fdeaf0f7d-d218-4c4d-bf11-5d1df1e63f67%2FUntitled.png?table=block&id=4988911f-a635-49b3-9cde-c56a45223b56&t=4988911f-a635-49b3-9cde-c56a45223b56&width=1855&cache=v2)
确认是德区
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F948224e5-91d5-4f24-a83e-d7aed1e557aa%2FUntitled.png?table=block&id=d72e9688-e5ef-4ff3-8370-21ab0f930f61&t=d72e9688-e5ef-4ff3-8370-21ab0f930f61&width=1469&cache=v2)
继续填写一些个人资料
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F2174336a-1442-429d-96a4-61d81fcec536%2FUntitled.png?table=block&id=ac382b7c-45ec-431c-a5d1-2307ee3f940d&t=ac382b7c-45ec-431c-a5d1-2307ee3f940d&width=707&cache=v2)
关于地址:
德区并不强制验证地址,所以可以先在Google地图上找一个住宅地址
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F5601727a-4743-4e64-9c0e-cb6a6050fcad%2FUntitled.png?table=block&id=657ec57c-9de4-402b-96e7-d81ef253763c&t=657ec57c-9de4-402b-96e7-d81ef253763c&width=1592&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fbb42ec88-1694-4cdf-8389-e12cc415a019%2FUntitled.png?table=block&id=789a08c3-638c-4a2e-8e24-68bf101f313d&t=789a08c3-638c-4a2e-8e24-68bf101f313d&width=1206&cache=v2)
确认输入的地址
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F0628cd56-6414-4453-9730-64a25da13853%2FUntitled.png?table=block&id=2cd8fc9e-431c-442e-9e95-f7549e153702&t=2cd8fc9e-431c-442e-9e95-f7549e153702&width=1274&cache=v2)
接下来就是如实填写自己的国籍以及出生地
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F3ec06ee7-8089-4f90-976a-018057f3c8db%2FUntitled.png?table=block&id=9cde26cb-11e0-4f0f-99ac-6102fe706b92&t=9cde26cb-11e0-4f0f-99ac-6102fe706b92&width=1314&cache=v2)
对于美国税务声明全选否
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F87eb4f11-cad8-451d-8845-82eda8986d70%2FUntitled.png?table=block&id=f4211b6c-657c-4f46-99ac-a6734d1540a7&t=f4211b6c-657c-4f46-99ac-a6734d1540a7&width=1567&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fe9daf110-9e23-45ce-aece-388cb08b04be%2FUntitled.png?table=block&id=309fb5be-25bb-4d4f-94de-1d5e17fe0ab7&t=309fb5be-25bb-4d4f-94de-1d5e17fe0ab7&width=1317&cache=v2)
关与税号,德区不强制要求税号,可以直接跳过
关与税号,德区不强制要求税号,可以直接跳过
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F03d70ee7-832d-4918-b4c5-5b80aedebbd9%2FUntitled.png?table=block&id=236b322e-0a72-4b57-b203-c8327e7dad04&t=236b322e-0a72-4b57-b203-c8327e7dad04&width=1410&cache=v2)
设置账号密码以及填写邀请码
不介意的话可以填写我的邀请码:nianl8388
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fd38d6d3d-03c8-4759-aaa7-e0c3f8213ec4%2FUntitled.png?table=block&id=27e72ec7-d88c-425c-8734-6ad4895cb705&t=27e72ec7-d88c-425c-8734-6ad4895cb705&width=1356&cache=v2)
最后确认下资料
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fc67e4ee7-3fc3-43ae-abd0-1bf4ff1ebf2b%2FUntitled.png?table=block&id=dc8a45ef-4e8c-4dbc-8eec-bec97ad7da53&t=dc8a45ef-4e8c-4dbc-8eec-bec97ad7da53&width=1257&cache=v2)
勾选同意相关协议
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F408de9ef-1cbb-4793-a0bf-e90b8322f802%2FUntitled.png?table=block&id=33d70122-7a06-452d-8b89-00343afafdcb&t=33d70122-7a06-452d-8b89-00343afafdcb&width=1364&cache=v2)
最后会收到一封验证邮件,点一下验证
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F92ba347a-0158-4e90-b7c7-8bc05f6a192f%2FUntitled.png?table=block&id=985d95d6-65d8-46b1-8f6b-46f954d79ae5&t=985d95d6-65d8-46b1-8f6b-46f954d79ae5&width=801&cache=v2)
接着继续网页上继续选择账户类型,一般选个人账户
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F912e1f2d-c836-4594-8865-e50aa0aec43f%2FUntitled.png?table=block&id=d32f935b-a0a2-4477-a2a6-5d27245ccab4&t=d32f935b-a0a2-4477-a2a6-5d27245ccab4&width=1559&cache=v2)
套餐选免费的即可,注意后面几页先那个小的文字
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F9f1614a4-e50c-4c37-8f64-7a4079201af7%2FUntitled.png?table=block&id=e1a0ad65-7aea-4df3-a4cf-ab1f6dc96ff4&t=e1a0ad65-7aea-4df3-a4cf-ab1f6dc96ff4&width=1854&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F73ad61d8-5f09-4c4b-bb64-baab3cc5eb95%2FUntitled.png?table=block&id=190bc727-1e38-4775-ba57-f79d55d976aa&t=190bc727-1e38-4775-ba57-f79d55d976aa&width=1260&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fb059e7e7-1e19-438d-95dd-d128b6c2cb0c%2FUntitled.png?table=block&id=87e5454c-83c5-4ac7-86e2-b31f93d09391&t=87e5454c-83c5-4ac7-86e2-b31f93d09391&width=1687&cache=v2)
至此网页上的注册完成,后面的验证流程需要
下载APP
GooglePlay:
Appstore(外区):
APP内验证
需要填写一个电话号码,号码最好是安装在这个手机上,非+86号码即可
我是用的英国(+44)
后面视频验证时,需要接验证码,如果你用别的手机看验证码可能会被中止视频验证
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F6d57e873-550c-434b-a762-c61a81e8aac9%2FUntitled.png?table=block&id=62abb44d-c7e5-4223-b367-e8e6de056a52&t=62abb44d-c7e5-4223-b367-e8e6de056a52&width=1242&cache=v2)
接下来时回答一些问题
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F14879262-2de5-4046-8305-70982994e90e%2FUntitled.png?table=block&id=9e5cad0c-e4a9-4adf-bb33-20c0d6a13481&t=9e5cad0c-e4a9-4adf-bb33-20c0d6a13481&width=1242&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fa5ec8aa3-217d-4adb-a2a2-c718fc01aa66%2FUntitled.png?table=block&id=77e12f04-af7f-43c4-828c-148b31e8e2e3&t=77e12f04-af7f-43c4-828c-148b31e8e2e3&width=1242&cache=v2)
我这里选的是学生,怕后面要我提供居留之类的
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fe226d000-86a6-4f6d-991a-94f4587f8530%2FUntitled.png?table=block&id=a218051d-0358-4dec-a514-2a39c0b5ca87&t=a218051d-0358-4dec-a514-2a39c0b5ca87&width=1242&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F4bdf86fb-c655-4078-8ea5-e8fe6c4c5371%2FUntitled.png?table=block&id=bab46fca-9d10-4772-9fef-ca8c13661697&t=bab46fca-9d10-4772-9fef-ca8c13661697&width=1242&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F07c6751e-6c4a-46a0-90d9-b76d5b06fe68%2FUntitled.png?table=block&id=cd1f3261-8de9-4681-90aa-94e5083549ae&t=cd1f3261-8de9-4681-90aa-94e5083549ae&width=1242&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fde11bb23-67fc-49d9-b9de-afef66c5e9d7%2FUntitled.png?table=block&id=9e4434b2-4b7b-4228-acc1-6d78055c87e7&t=9e4434b2-4b7b-4228-acc1-6d78055c87e7&width=1242&cache=v2)
主要用途选购物吧
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F2c96d969-d20d-4679-b663-10ae933da4b5%2FUntitled.png?table=block&id=e474f872-e38d-4653-81e5-aa976b6e1fa2&t=e474f872-e38d-4653-81e5-aa976b6e1fa2&width=1242&cache=v2)
接下来就是重头戏,视频验证,也是最难的一部分
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F2cf99353-eed9-434f-a9d9-d34fda49d596%2FUntitled.png?table=block&id=525e0ee7-d0c6-4ec1-9033-888ed932599b&t=525e0ee7-d0c6-4ec1-9033-888ed932599b&width=1242&cache=v2)
视频验证(视频认证不需要德国ip,网速好就行)
选择护照,然后需要在app内在德国工作日上班时间发起验证
不用害怕失败,可以发起很多次,挂一两次无所谓的
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F390d5c5c-7325-4b97-ab6b-80f1e8db85d5%2FUntitled.png?table=block&id=53a24fd4-71d1-4b0f-b01e-b97de5b37471&t=53a24fd4-71d1-4b0f-b01e-b97de5b37471&width=1242&cache=v2)
这里说一下大致流程:
- 客服可能不会英语只会德语,可以问客服 can you speak English?,英文能更好听懂一点,当然你要是懂德语,那么毫无障碍
- 如果你是佩戴眼镜的话,开头一般会要你摘下眼镜进行拍照,注意听关键词 Glasses
接下来一般会是提问环节:
- 这是你自己决定开户吗? yes
- 这段通话会被录音 (注意听关键词:recording)?yes
- 这个时候会读很长的一段话,是在询问你有人指使你开户吗?no
反正这个环节记住,yes yes no,一般能过
接下来就是拍摄护照和人脸环节(客服会给你示例,按照他说的做就好了)
- 用手指,五指张开,在脸前上下移动几下
- 会反转你的摄像头,拍摄护照主页
- 需要你把护照上下左右晃动,查看访问标识
- 右手拿护照,右拇指压住护照右上角徽标或者护照中间位置,然后上下左右晃动
- 合上护照(close),拍摄首页
- 询问出生日期
- 询问护照号码(看着护照读即可)
- app里短信接收验证码,需要自己点击发送验证码(这里一定要用同一个手机,不要用另外的手机接码)
- 等待通过即可
流程顺序可能有出入,大致就是这样,拍护照时客服会给你演示,你照着这几条做就行了,就算听不懂,不对的话就换另外的姿势试,总会对的。
设置4位Pin密码
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F893fdf31-4e25-42b1-b597-333dd5d3c5cd%2FUntitled.png?table=block&id=1443e250-ff5a-459f-8fb7-0ed174ffdf75&t=1443e250-ff5a-459f-8fb7-0ed174ffdf75&width=1242&cache=v2)
确认你的套餐(免费套餐)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F3bd7c841-e363-4d43-b1ae-8c4e88292b01%2FUntitled.png?table=block&id=2756f518-37e5-40dd-9cb1-b0fb60095630&t=2756f518-37e5-40dd-9cb1-b0fb60095630&width=1242&cache=v2)
进入APP,注册成功
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F42b8ed09-90e6-4637-884c-265423076aca%2FUntitled.png?table=block&id=4459ba04-3a07-47eb-a226-bfcb286ae20f&t=4459ba04-3a07-47eb-a226-bfcb286ae20f&width=1242&cache=v2)
入金激活
有人说是入金10€,有人是20€,请注意看你的要求
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fbed271e9-6d66-4293-8bc0-3fc4d30d0049%2FUntitled.png?table=block&id=ad5d61c3-182b-4a8a-8d59-8183d4d614fb&t=ad5d61c3-182b-4a8a-8d59-8183d4d614fb&width=330.5&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F5889b8ee-4982-404b-ba04-bcd9762d9cc1%2FUntitled.png?table=block&id=283c6ebf-f949-4167-a28a-f7c88b782a12&t=283c6ebf-f949-4167-a28a-f7c88b782a12&width=1242&cache=v2)
选择bank transfer,使用wise通过欧元区SEPA转账,可实时到账
如果用其他电汇,或者卡入均可。也可以让你朋友帮你入金激活,这里可以第三方激活
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fc0163e03-68a1-4bd9-9c46-5078f5223dfb%2FUntitled.png?table=block&id=4bf081db-96f1-44dd-ad66-140cdb657b66&t=4bf081db-96f1-44dd-ad66-140cdb657b66&width=1242&cache=v2)
在wise里填写IBAN,发送欧元
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F48c0afea-c61b-4b2d-ac7f-693eee7abe25%2FUntitled.png?table=block&id=0d1020aa-dd66-43de-bd48-de4bd136d11d&t=0d1020aa-dd66-43de-bd48-de4bd136d11d&width=1291&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F1a900e3b-b854-4da0-9fbe-e2f66d5b7556%2FUntitled.png?table=block&id=738fa96f-111b-478b-aa94-dce758215e87&t=738fa96f-111b-478b-aa94-dce758215e87&width=882&cache=v2)
SEPA秒到
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F79db97b0-a42f-4419-a946-8504566bcd67%2FUntitled.png?table=block&id=a73cded3-849a-4d1a-9223-acad151c7a28&t=a73cded3-849a-4d1a-9223-acad151c7a28&width=1242&cache=v2)
至此激活成功,打开APP→Card也能看到你的虚拟卡了
卡片可以绑定到Google Pay或者Apple Pay
希望大家都能开户成功
其他券商与银行
富途牛牛香港券商,6月新户最高可领2000HKD
老虎证券,6月新户奖励最高可领1400HKD
长桥证券,6月新户最高可领1000HKD+港美股终身免佣
华盛证券,6月新户奖励最高可享3900+HKD
IBKR盈透证券,美国第一互联网券商
老虎证券,3月新户奖励最高可领1300HKD
OCBC新加坡华侨银行,国内线上即可开户
香港中银开户指南
香港汇丰开户指南
奕丰环球系列(小汇丰)
最后
如果您有其他问题的话,欢迎加入我的TG群组,一起交流咨询。
TG群组:
- 作者:PolarisAspire
- 链接:https://lpolaris.com//article/n26de
- 声明:本文采用 CC BY-NC-SA 4.0 许可协议,转载请注明出处。
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