N26 You — take your finances further
The all-in-one plan for banking, saving, investing, and travel.
Designed for effortless exploration
Here’s how You is made to meet your travel needs.
Fee-free payments worldwide
Pay with your N26 card wherever you are — with no foreign transaction fees.
See instant payments
Free ATM withdrawals
Enjoy unlimited free ATM withdrawals in Austria and abroad.
Learn about withdrawals
Travel insurance
We’ve got you covered with trip insurance, emergency medical cover, and baggage insurance.
Explore travel insurance
Unpack our travel insurance
Provided by Allianz Assistance, for when the unexpected happens.
Travel delay
Expenses due to delays over two hours are covered up to €500.
Emergency medical
Medical expenses abroad are covered up to €1 million.
Trip cancellation
Cancellation or rebooking fees are covered up to €10,000.
Baggage cover
For baggage damage, loss or theft, up to €2,000 per trip.
Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet and Conditions for Beneficaries
.
Every cent in its Space
Stay organized with up to 10 Spaces sub-accounts. Save for goals or expenses, and use your virtual or physical card to pay from a Space.Send and receive money directly to your Spaces by assigning them a unique IBAN — perfect for direct debits or repeat transfers.
Show me N26 Spaces
Grow your money with us
Save at 1.5% interest p.a.* with no deposit limits,** and dip into your savings whenever you need.
Explore Instant Savings
Free trades every month
Explore the possibilities of investing with flexible investment plans and five free monthly trades in stocks and ETFs with N26 You.***
Discover Stocks & ETFs
*N26 Instant Savings account interest rates are based on your main N26 Membership: 1.3% p.a. for Standard and Smart, 1.5% for You, and 2.5% p.a. for Metal (before taxes), as of 08.11.2024. Please note that rates per membership are variable and can be changed by N26 over time.
**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes.
- 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
- 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
- Cancellation fees up to €10,000 per trip for trip cancellation
- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- 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
- Trip delayed due to covered reasons by at least two hours.
- Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Baggage: Up to €2,000 per trip Baggage delay: Up to €500 per trip
- Reimbursement in case of damage, theft or loss of travel documents
- Necessary costs for emergency replacement identification document up to €500 per trip
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- 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
- Costs payable to a third party following damage or injury. Max. amount covered: up to €500,000 per trip
- 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.
- 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.
- Trip cancellation: deductible: €20 per beneficiary.
N26 You 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 You, 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 You bank accoun
You can open an N26 You account via the N26 app on your smartphone or our website. You’re eligible if:
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 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 You bank account, as well as the documents that you need, visit our Support Center.
An N26 You bank account costs €9.90 per month.
N26 You is a bank account with travel insurance benefits provided by Allianz Assistance. This versatile package of insurance includes coverage for travel and baggage delays, baggage loss, and medical coverage in case of emergencies abroad.
We don’t charge an exchange rate fee if you pay with your Mastercard debit card or withdraw cash in a foreign currency. With N26 You, you have a truly international card in your wallet.
N26 You is a personal account, not to be used for business purposes. 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.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As an N26 You customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you — it’s not necessary to add an IBAN to each space if you don’t need one.
With unique IBANs for each Space, you can receive SEPA bank transfers and pay via direct debit — right from each Space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account. You can also link a virtual or physical card to a Space to make payments directly from it.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.
Yes — we’ve teamed up with finleap Connect to offer a free account switching service. Switch from almost any Austrian bank the easy way by submitting a bank-switching request in minutes. Want to know if you can switch to N26 from your current bank? For more information on how to change banks easily, visit our dedicated page here.
N26 You, our international bank account, offers numerous travel benefits and premium features. With this account, you’ll benefit from a comprehensive travel insurance package from Allianz, fee-free withdrawals and payments abroad, and a debit Mastercard travel card in one of five stylish colors. You’ll also get access to innovative saving and budgeting features to easily and automatically set money aside for the goals that matter to you most. And because N26 You is 100% mobile, you’ll always have your bank in your pocket — wherever you go.
To find out more about the insurance benefits associated with your N26 You 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?
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
To find out more about the insurance benefits associated with your N26 You 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.
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
Related posts
How to save money for a trip in 10 simple steps
Are you ready for a break? Here’s how to save up for the trip of a lifetime.
Trip cancellation insurance—why you might need it
Trip cancellation insurance—the ‘just-in-case’ coverage for extra financial protection
Save money using your debit card abroad with N26
N26 gives you the real exchange rate and won’t charge currency exchange rates when paying abroad. Sign up to save on your next trip.
