The bank account made for travel

You can open an N26 Go account via the N26 app on your smartphone or our website. 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 that you’re resident in. Find further information here.

To open an N26 Go account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app on your compatible smartphone. Opening an account takes only a few 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 Go bank account, as well as the documents that you need, visit our Support Center.

N26 Go is a paid bank account that comes with a colorful Mastercard debit card, travel insurance benefits that covers trip and baggage delays as well as baggage loss, and free foreign currency ATM withdrawals worldwide. In addition to your free physical Mastercard, you also receive up to six virtual cards that you can use for easy, contactless payments worldwide. Budget and save with up to 10 Spaces sub-accounts, including Shared Spaces to save and spend with others. You can link a virtual card to a Space to pay directly from it, or use its IBAN to set up direct debit payments. With N26 Go, you can also have a fully flexible Instant Savings account to grow your money and access it whenever you want to. You can also build your investment portfolio with crypto, and invest in stocks and ETFs with five free monthly trades, right in your N26 app. See terms and conditions for full details and availability. What do I need to open an N26 Go bank accoun

To find out more about the insurance benefits associated with your N26 Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. Trip Cancellation Which events are covered?

• Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
• Individual quarantine and other events listed in the collective insurance agreement

What will be reimbursed?

• Cancellation fees up to €10,000 per trip for trip cancellation

Travel Interruption Which events are covered?
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:

• Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine

What will be reimbursed?

• Prorated costs of the covered travel services booked but unused at the destination up to €10,000 per trip
• Necessary transportation expenses to continue the trip or return home
• Additional accommodation/ transportation expenses if prolongation of the trip is necessary up to €100/day/per trip for a max. of three days

Travel Delay Which events are covered?

• Trip delayed due to covered reasons by at least two hours.

What will be reimbursed?

• Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip

Baggage and Baggage Delay Which events are covered?

• Reimbursement in case of damage, theft or loss of items
• Reimbursement for essential items purchased if luggage is delayed by more than four hours

What will be reimbursed?

• Baggage: Up to €2,000 per trip Baggage delay: Up to €500 per trip

Identification Document Coverage Which events are covered?

• Reimbursement in case of damage, theft or loss of travel documents

What will be reimbursed?

• Necessary costs for emergency replacement identification document up to €500 per trip

Emergency medical/dental benefits abroad & Emergency transportation Which events are covered?

• Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19

What will be reimbursed?

• Reimbursement of medical expenses abroad
• Costs for emergency transportation and medically advisable and justifiable medical repatriation Max. amount covered:
• For medical emergency treatment: up to €1,000,000 per trip
• For dental emergency treatment: up to €250 per trip
• For medical repatriation up to the actual cost for search, rescue and recovery: up to €2,300 per trip

Personal Liability What will be reimbursed?

• Costs payable to a third party following damage or injury. Max. amount covered: up to €500,000 per trip

To find out more about the insurance benefits associated with your N26 Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.

• Events occurring outside the validity dates indicated in the conditions for beneficiaries.
• Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
• Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
• Damage of any kind caused intentionally by the beneficiary or with their complicity.
• An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
• Systemic (non-individual) epidemic/pandemic events.
• Claims arising due to pre-existing medical conditions.
• Violation of international sanctions, laws, or regulations.
• The policy deductible that is applicable to claims made under some benefit sections.
• Financial limits apply to each benefit section.
• There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.

Please consult the respective Section of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations. Main exclusions

• War (declared or undeclared) or acts of war
• Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
• Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
• Intentional self-harm or attempt of suicide.
• Unstabilized illnesses or injuries that were diagnosed or treated.
• An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description.
• Local health situations, pollution, weather or climate events.
• Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description.
• Expenses incurred without the prior agreement of our assistance department.
• The cost of treatment or care not resulting from a medical emergency.
• The consumption of alcohol or drugs not medically prescribed.
• Participation in a professional or dangerous sport.

Main restriction

• Trip cancellation: deductible: €20 per beneficiary.