• Standard

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    Bank for free

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    Bank with more control
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    Business Standard

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    Freelancers bank for free

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    Manage your business with more control
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    Travel benefits Borderless banking
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A smiling woman with red hair hands a black credit card to an employee to make a payment with a card terminal.

Shop easy with Mastercard

Enjoy free payments worldwide with your N26 Mastercard. Pay securely with a tap, set spending limits, and stay up to date with push notifications.
Open bank account

Pick a card, any card

A graphic close-up shows the front of a silver N26 Debit Mastercard with the name Alex Mueller visible.
N26 Standard

Get a virtual card for free and physical card for €10.

Learn more
A hand holds a smartphone ready for a contactless payment with an N26 card on screen and a Mastercard icon overlaid.
N26 Smart

Choose from six colors and up to 6 virtual cards.

Learn more
A graphic close-up shows the front of a silver N26 Debit Mastercard with the name Alex Mueller visible.
N26 Standard

Get a virtual card for free and physical card for €10.

Learn more
A hand holds a smartphone ready for a contactless payment with an N26 card on screen and a Mastercard icon overlaid.
N26 Smart

Choose from six colors and up to 6 virtual cards.

Learn more

Mastercard makes travel simple

Make fee-free card payments worldwide. Get free ATM withdrawals in euros or pay 1.7% on Swiss franc withdrawals.
A man sitting at an outdoor cafe table smiles while holding up a gray payment card.

Personal banking. Personal style.

Switch up your virtual card design anytime — and keep your original card numbers.
Four custom N26 card designs, including one styled like a pink suitcase and another like a biscuit, fan out vertically above a smartphone screen.

The safe, speedy way to pay

Mastercard Click to Pay lets you check out online without having to enter your details each time.

Security at N26

Stay secure while you shop

Mastercard does an Identity Check at checkout for an added layer of security.

Pay with a tap

With NFC technology, shop in stores and online securely, quickly, and contactlessly.

Never miss a beat

Real-time notifications after every transaction let you know what's going on in your account.

A control center in your app

Lock your card, set spending limits, change your PIN, and enable or disable transaction types.

FAQ

  • All N26 bank cards are Mastercard debit cards that allow you to shop or withdraw money anywhere in the world. Add your card to Apple Pay or Google Pay to seamlessly check out — right from your phone.
  • Maestro cards can only be used as debit cards. A Mastercard, on the other hand, can be issued as a debit card or as a credit card, where card purchases are billed at the end of the month.
  • If you have an N26 Smart account, your N26 Mastercard is included with your plan for free. The N26 Standard plan comes with a free virtual Mastercard, and a physical card can be ordered for a one-off €10 delivery fee.
  • Yes, the currency of your N26 bank account is in euros. But we don’t charge any fees for payments in foreign currencies.
  • You can switch up your virtual card design anytime by selecting the card in the app’s cards tab, and your card numbers will the stay the same. This feature is available for N26 personal customers only, excluding Italy.