N26 Go — take your finances further

Are there any limitations on coverage validity under insurances included in N26 Go account?

You are eligible for the coverage under insurances included in N26 Go account only when your N26 Go account is active

Who is covered for Travel & Medical claims?

The account holder who has rights to claim under the collective insurance agreement. For the travel covers (Trip cancellation, Trip interruption, Travel delay, Baggage & Baggage delay, Emergency medical & Transportation and Personal liability), the account holder’s spouse or cohabitant and children (including the stepchildren, foster children, adopted children or children currently in the adoption process) up to a maximum age of 25 years, if still on education at the time of travel, are considered a beneficiary, when they travel with the account holder.

What is included in my N26 Go Insurance?

To find out more about the insurance benefits associated with your N26 Go account please refer to 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 Conditions for Beneficiaries

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 and 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

Maximum amounts 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

Which events are covered?

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

What is not insured by my N26 Go coverage ?

To find out more about the insurance benefits and limitations of your N26 Go coverage and make a decision on your Insurance, please read the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries before subscribing. These documents are available free of charge and can be accessed here or via the N26 app. 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).
• 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 or commit suicide
• Unstabilized illnesses or injuries that were diagnosed or treated
• 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

Are there any restrictions on cover?

Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations.

Main restrictions

• Trip cancellation: covered up to €10.000 per trip; Deductible: €20 per beneficiary
• Trip interruption: covered up to €10.000 per trip
• Baggage damage, loss or theft: covered up to €2.000 per trip, including €750 for high-value items
• Emergency medical/dental benefits abroad: covered up to €1.000.000 per trip and for emergency dental up to €250 per trip

Important information about the insurance

N26 Go is a premium membership supplementing the N26 current banking account. N26 is the policyholder of a collective insurance agreement, as detailed in the Conditions for Beneficiaries. The insurance agreement is held by N26 and is underwritten by Allianz Assistance. The insurance benefits are embedded within N26 Go and are only available to the customer for the duration of their membership. A summary of the cover can be found in the FAQ. Please note that the premium for the insurance policy is paid by N26 Bank SE. The insurance cannot be purchased separately from the N26 Go membership. The insurance coverage begins with the subscription to the membership and ends when the customer terminates their N26 Go membership, which can be terminated at any time by the customer. Discounts granted for an annual over a monthly subscription will then lapse. Information on dispute resolution can be found here: https://n26.com/en-be/imprint Further information can be found in the Conditions for Beneficiaries.

Frequently Asked Questions

What are the benefits of an N26 Go account?

N26 Go is a premium membership bank account that comes with a colorful debit card, 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 the terms and conditions for full details and availability.

How do I open an N26 Go bank account?

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 onto a 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.

Is the N26 Mastercard a debit card, a credit card or a prepaid card?

The N26 Go is a Mastercard debit card, meaning that all charges are debited in real-time from your account. This is why it’s important to always have enough funds in your balance.

How to get my debit card?

After ID verification, you can choose the color you want for your N26 Go card—we’ll then order it for you, and it will be delivered to the address you’ve provided. You can also specify whether you’d like standard or express delivery.

How much does the N26 Go bank account cost?

An N26 Go bank account costs €9.90 per month.

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 advantages of Mastercard Travel Rewards?

The Mastercard Travel Rewards program gives you access to hundreds of cashback offers from top brands while traveling abroad. With cashback offers across arts and culture, shopping, hotels, culinary experiences, entertainment, and more, you can treat yourself year-round and save on your holidays abroad. To take advantage of Mastercard Travel Rewards, all you have to do is pay at participating stores with your N26 Mastercard.

*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 information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go features comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.