The bank account with travel insurance
Discover our premium account with travel insurance*, free withdrawals and payments abroad, partner discounts and much more.
Choose your contactless Mastercard from five colors – Ocean, Sand, Rhubarb, Aqua and Slate – and get an extensive package of lifestyle and travel insurance* and free foreign currency ATM withdrawals.
The account for home and travel
N26 You also offers all features that our free standard account entails. Check your timeline for all transactions listed in realtime or manage your in-app security settings anywhere, anytime – from your couch or while you're tanning on the beach.
Free ATM withdrawals worldwide
Forget foreign transaction fees. Withdraw cash for free in foreign currency from ATMs around the world and pay using your N26 You Mastercard online and in stores with zero fees or markups.
Insurance for travel and mobility*
Emergency medical cover
Families travel together. That’s why the N26 You policy provides cover for you, your spouse and children in case of a medical emergency abroad, with access to 24/7 medical phone assistance.
Cover for loss and delay
If your luggage is held up or goes missing, or if your flight is more than 4 hours delayed, you can claim compensation to make sure you never end up stranded without a toothbrush.
Trip curtailment or cancellation
Don’t let bad luck ruin your trip. If you can’t make it to the airport, N26 You’s trip curtailment and cancellation insurance has you covered.
Car, bike and scooter sharing
If you enjoy using an app to hire transport for your next short trip, N26 You includes cover for car shares, bike and scooter hires, to get you from A to B without the worry.Read more
Exclusive partner discounts you can make use of
You bank account comes with exclusive partner offers and hand-picked discounts from brand names like GetYourGuide and WeWork, all carefully curated with you in mind.Partner Offers
Extra Spaces for you
Sometimes more is more, especially when it comes to organizing your money. Your premium membership gives you the freedom to create up to 10 Spaces sub-accounts alongside your main account, for reaching your savings goals. Moreover, you're able to invite up to 10 other users to join the same sub-account to manage money together with your friends and family!Shared Spaces
An extra card when you need it
The time between losing your card and waiting for the new one to arrive can seem like a lifetime, so keeping a spare makes a lot of sense. Order a second card for your account in the N26 app, and to make sure you’re never left without access to your cash. (Available in Germany and Spain)
N26 You is a premium membership bank account with travel insurance and cover for flight, luggage and curtailment delays as well as luggage loss. You’ll also get exclusive partner deals and free foreign currency ATM withdrawals worldwide. See T&C’s below for full details and availability.
To open an N26 You account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only 8 minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.
For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.
You can open an N26 You account via the N26 app on your smartphone or the web app. You’re eligible if:
- You’re at least 18 years old
- You’re a resident of a supported country
- You have a compatible smartphone
- You don’t already have an account with us
You will also need to provide a supported ID document, applicable to the country you’re resident in. Find further information here: https://support.n26.com/en-de/getting-started/account/how-to-open-my-n26-account
An N26 You bank account costs €9.90 a month, with a minimum membership commitment period of 12 months.
N26 You comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, mobile phone theft, medical cover in case of emergencies abroad, an extended warranty on qualifying purchases, and much more.
We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.
N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.
*Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C.S.A - Dutch branch) one of Europe's most trusted insurance companies.
Mastercard offers a range of complimentary privileges as part of your N26 You World card status. Every N26 You card holder is automatically entitled to enjoy these benefits, tailored to the needs of frequent travelers and globe-trotters.
If you are planning your next trip, also make sure to check out the Mastercard Priceless Cities* for exclusive events and recommendations. You only need your Mastercard to discover the most beautiful cities in the world, and your new experiences can begin.