Your N26 Mastercard with NFC technology

Whichever N26 account you choose, you’ll receive a virtual debit Mastercard that lets you make contactless payments. Premium N26 account holders will also get a physical Mastercard delivered to their door—either in colorful plastic or sophisticated stainless steel. All physical N26 Mastercards come with contactless, NFC-technology, too.

~7 million
8 minutes
to open a bank account
5* ratings across both iOS and Android app stores

Pay anywhere in the world with no fees

Hidden fees don’t exist at N26. Don’t worry about foreign currency fees either—with your N26 Mastercard, check out in any currency without incurring extra costs. Use your it for payments in stores, apps or online. Or add it to your digital wallet to pay with your smartphone. Need to withdraw cash? Find the nearest ATM using the convenient ATM locator in your N26 mobile app.

Your virtual N26 Mastercard

Your N26 Standard account comes with a virtual N26 Mastercard. Add it to your digital wallet with just a few taps on your smartphone. Prefer a physical Mastercard? No problem—order one directly in the app for just a €10 delivery fee. All N26 premium subscriptions include a debit Mastercard at no extra charge. N26 You and N26 Smart account holders can choose from one of five vibrant colors, while N26 Metal customers can select one of three stunning shades of stainless steel.

N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.


Deposit Protection

N26 is a fully licensed bank, which means your deposits are protected up to €100,000, per EU regulations.

Mastercard SecureCode

All your online purchases are protected with Mastercard 3D Secure 2-factor authentication, so you can be sure you’re the only one using your card.

Push Notifications

Get instant push notifications every time money goes in or out of your account, so you can keep track of your balance in real time.

Spending and ATM Withdrawal Limits

Lock your card, set spending or withdrawal limits, and enable or disable transfers—all with just a few taps in the N26 app.

Card-free, contactless payments

Want to skip using cards altogether? Add your virtual N26 Mastercard to your digital wallet and use your smartphone to pay in stores, online, or in apps. Link your card to Google Pay or Apple Pay, then simply hold your phone up to any NFC terminal to pay.

phone screen with N26 Metal Mastercard.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Your debit Mastercard is accepted worldwide

Experience 100% mobile banking with the free N26 Standard account and your own virtual N26 Mastercard. Go premium for even more advantages. Choose from one of five colorful Mastercard options: Ocean, Sand, Rhubarb, or Slate. Or, for our most premium customers, pick from one of three shades of stainless steel: Charcoal Black, Quartz Rose, or Slate Gray. Discover the card that’s right for you.


What is an N26 Mastercard?

When you open an N26 Standard account, you will receive a virtual N26 debit Mastercard. If you sign up for a premium account, you will receive a physical Mastercard (N26 Smart and N26 You customers will receive a plastic card in one of five vibrant colors; N26 Metal customers will receive a card in one of three shades of stainless steel). All N26 Mastercards are debit cards (and not credit cards).

How can I order a Maestro card?

Customers who open their accounts in Germany, Austria, or the Netherlands can order an additional Maestro card. You can do this via the “Cards” tab in your N26 app.

How can I order an N26 Mastercard Debit?

When you open an N26 Standard account, you will automatically receive a virtual debit Mastercard. Order a physical card for a one-time delivery fee of €10. To do this, simply go to the “Cards” tab in your N26 app.

If you signed up for a premium account you will receive a physical Mastercard free of charge after opening your account. To order your card, simply choose the color card or metal card that you like best during the account opening process.

What is the difference between N26 premium plans and the Standard account?

Our premium accounts are packed with innovative features and come with many benefits—organize your money with savings sub-accounts that sit along your main account, protect yourself with extensive insurance, and much more. A physical N26 Mastercard is included with every premium plan and delivered to your home.

N26 Standard customers receive a virtual N26 Mastercard that can be added to their digital wallet and used immediately upon opening your account.

Is the N26 Mastercard a prepaid card or a credit card?

No, your Mastercard is not a credit card or a prepaid card. N26 only offers debit cards.