Your online Mastercard purchases have an extra layer of protection thanks to 3D Secure technology.
Get push notifications whenever money enters or leaves your account, so nothing can sneak past you.
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N26 is a fully licensed bank, so your money is secured by the German Deposit Protection Fund, up to €100,000.
*Eligible spending: Detailed T&Cs for customers who open an account between July 17 and October 15 can be found here: https://n26.com/hb-tc. Detailed T&Cs for customers who sign up before July 17 can be found here: https://n26.com/hb-ex.
For new customers: Eligible transactions include e-commerce transactions classified under travel-related Merchant Category Codes (MCCs) by the merchant’s payment processor. N26 does not control these codes, and some travel-related merchants may not qualify. Also included are point-of-sale, in-person transactions outside the customer’s country of residence during the first 30 days after signing up for the promotion. New customers have until October 15, 2025, to open an N26 Go or N26 Metal account and until October 31, 2025, to sign up for the promotion. Cashback (1%) will be credited to your main account 30 days after the promotion ends.After the initial 30 days, new N26 Go and N26 Metal customers will automatically earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area (EEA), UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
For existing customers who signed up before July 17: This offer is exclusive to N26 Go and N26 Metal customers. Customers who downgrade will lose the cashback offer. N26 Go and N26 Metal customers will earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area, UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
For new and existing N26 Business customers: The 1% cashback on the eligible transactions mentioned above comes in addition to the regular purchase cashback of 0.1% for N26 Go Business and 0.5% for N26 Metal Business. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.