N26 You
A debit card for everyday and travel
A premium account for your daily needs and travel abroad—without the hidden fees. Open your bank account, and get an N26 debit card in your choice of color.
Start earning interest
No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.
N26 You customers get 2.8%* p.a. interest on their savings. Prefer 4%* p.a.? Choose N26 Metal.
More about the Instant Savings accountFree trades every month
With N26 You, get 5 free monthly trades for stocks and ETFs. It’s the simple way to invest in your future without having to leave your banking app.
Discover Stocks and ETFs
A Mastercard debit, perfectly suited to you
The N26 You bank account is packed with benefits—including a free Mastercard Debit. Align yours to your style, and get a contactless debit card in a choice of 5 colors—Ocean, Sand, Rhubarb, Aqua or Slate.
Manage your money with Spaces sub-accounts
Stay on top of your finances with 10 Spaces sub-accounts, each with its own IBAN. Easily pay bills via direct debit, set up standing orders for recurring payments, send SEPA bank transfers, and receive money—right in each sub-account.
Keen to save instead? Instantly put money aside to a space from your main account to avoid spending it, or save together with up to 10 others in a Shared Space. To reach your goals even faster, turn on Round-Ups and save up the spare change whenever you pay by card.
Discover Shared Spaces
Fee-free payments and ATM withdrawals
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.
Emergencies when travelling
The N26 You policy provides cover for you, your spouse and children in case of a medical emergency while traveling, with access to 24/7 medical phone assistance. This includes emergency dental insurance.
Baggage coverage and delay insurance
Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.
Travel delay and cancellation
We understand what it's like when when business trips don't go according to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
Discover N26 Perks, whatever your interest
As an N26 You user, enjoy access to a variety of hand-picked offers and discounts from brand names like Udemy, Blinkist, 8fit, and many more. We regularly update our partner offer selection—you can always find what’s currently available, right in your N26 app.
Emergencies when travelling
Travel medical insurance up to €1,000,000 for you, your partner and kids in case of emergencies, including dental and winter sports***.
Personal liability while traveling
Coverage up to €500,000 for Travel Liability in case you’re legally liable for damage to a third party or their property during a trip.
Get an extra card
The spare key to your bank account: N26 You allows you to order an additional Mastercard debit card or Maestro card for your account. Easily manage your cards through the N26 app—lock and unlock them with a few taps, set daily limits, and much more. (Extra cards are available in Germany, Spain, Italy and Austria.)
N26 Metal – the new generation premium account
Enjoy our exclusive premium banking experience with a stainless steel Mastercard, an extensive insurance package that includes mobile phone insurance, fee-free ATM withdrawals worldwide and zero foreign transaction fees around the globe.
Upgrade to MetalCustomer Support is here for you!
Whether you need technical help or a quick answer, our Customer Support team is always on hand to help. Reach our specialists directly via the website, email or directly via the chat function in your N26 app. In our Support Center, you’ll also find a host of information, including FAQs.
Visit our Support Center
N26 You—your bank account for everywhere
The bank that’s always open—with N26 You, get access to your account, whenever you want and wherever you are. Discover the benefits of mobile banking for €9.90 per month, and get a shiny new Mastercard debit card, with no hidden fees. And enjoy smart money management tools, partner offers, an insurance package, and much more.
Frequently asked questions
What are the benefits of an N26 You account?
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.
How do I open an N26 You bank account?
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.
What do I need to open an N26 You bank account?
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
Is the N26 You Mastercard a debit or credit card?
The N26 You Mastercard is a debit card, which means all transactions occur in real-time and are directly debited from your N26 bank account when you make a purchase.
How much does the N26 You bank account cost?
An N26 You bank account costs €9.90 a month, with a minimum membership commitment period of 12 months.
What kind of travel insurance does the N26 You bank account offer?
N26 You comes with an extensive insurance package, provided by Allianz Assistance. This includes coverage for travel and baggage delays, medical cover in case of emergencies abroad and much more.
Do you charge foreign transaction fees?
We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.
What are the differences between the N26 You bank account and N26 Business You bank account?
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.
*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***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.