Enjoy a premium account that covers both your everyday needs and trips abroad — for just €9.90 per month, with no hidden costs. Sign up today, and choose your N26 debit card in one of five modern colors.
N26 You is a premium bank account that's got you covered. Handle your finances instantly with the N26 mobile app — send payments and bank transfers, create standing orders, and track all of your transactions with real-time push notifications. Add your N26 debit card to your mobile wallet so you can spend from your smartphone. Plus, get full peace of mind when you travel, since you’re covered by a wide travel insurance package — whether you're driving a few hours or flying around the world.
Earning interest on your savings
No deposit limits*, easy access, and simple conditions. With N26 Instant Savings, you get a non-regulated and flexible savings account at no added cost — directly in your N26 app.
Make payments stress-free, knowing that you won't be hit with hidden fees. Your N26 You card lets you pay in foreign currencies worldwide — without any extra charge. Plus, we use the real Mastercard exchange rate, so you won't pay more than you should.
Medical emergency cover
N26 You covers you in case of medical emergencies abroad. It also includes insurance for your partner and children, with access to 24/7 medical phone assistance.
Trip curtailment or cancellation
If you can’t make it to the airport, or must shorten your stay due to unforeseen circumstances, we have you covered.
Flight delay insurance
We all know that time is money. With N26, don’t get caught out—receive compensation in case of flight delays of more than 4 hours.
Insurance for delay and theft of luggage
Don’t get stuck without your essentials. Claim compensation if your luggage is delayed or lost, or if your flight is more than 4 hours late.
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.
Customer Support is here to help
Whatever assistance you need, our Customer Service team is here to help. Chat with them directly through your N26 mobile app or the WebApp on your desktop. Prefer to find answers yourself? Our Support Center is packed with helpful articles and FAQs.
Sometimes two cards are better than one. Order an extra Mastercard that's linked to your main account, so you always have access to your cash — no waiting for a replacement if your card goes missing.
Discover a premium banking experience with N26 You
Open your account for only €9.90 per month, and get a personalized Mastercard debit card. Manage your finances in real-time from your smartphone without any hidden costs, and benefit from a range of travel insurance and everyday lifestyle cover.
N26 You 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 You and are only available to the customer for the duration of their membership. A summary of the cover can be found in the FAQ. German law is applicable.Please note that the premium for the insurance policy is paid by N26 Bank AG. The insurance cannot be purchased separately from the N26 You membership.
The insurance coverage begins with the subscription to the membership and ends when the customer terminates their N26 You 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
N26 You 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 T&C’s for full details and availability.
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 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.
The N26 You 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.
After ID verification, you can choose the color you want for your N26 You 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.
An N26 You bank account costs €9.90 per month.
N26 You comes with a versatile insurance package, provided by Allianz Assistance. This includes coverage for travel and baggage delays, baggage loss, medical coverage in case of emergencies abroad, and much more.
We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.
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.
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 InterruptionWhich 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 3 days
Travel DelayWhich events are covered?
Trip delayed due to covered reasons by at least 2 hours.
What will be reimbursed?
Additional expenses for meals, accommodation, additional
transportation expenses up to 500 € per trip
Baggage and Baggage DelayWhich 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 4 hours
What will be reimbursed?
Baggage: Up to € 2.000 per trip
Baggage delay: Up to € 500 per trip
Identification Document CoverageWhich 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 transportationWhich 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 LiabilityWhat will be reimbursed?
Costs payable to a third party following damage or injury
Max. amount covered: Up to € 500.000 per trip
General exclusions apply to the whole policy and some benefit sections contains 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.
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.
*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 You 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.
