N26 Black is a bank account with comprehensive travel and purchase coverage

Covered byAllianz
Bank Account Transactions and Balance Overview - N26 App

The freedom to pack up and go without the extra weight

N26 Black provides comprehensive insurance for trips abroad and on qualified purchases, meaning you're not weighed down by worries while out exploring the world.

Fee-free withdrawals anywhere abroad. Yes, really.

We don't charge percentage fees on foreign currencies and always give you the mid-market rate. You get what your money is worth, without it being eaten up by extra fees.

Worldwide travel insurance you can actually use

N26 Black is always with you—start claims in the app and get support quickly when you need it. There’s no guesswork or extra fees.

Insurance Dashboard and Status - N26 Black

Your N26 Black Insurance package covers

Foreign medical expenses

Among others, reimbursement for doctor and hospital expenses in case of an acute medical emergency while you’re abroad.

Delayed Flights

Reimbursement for expenses incurred during a flight delay longer than 4 hours.

Luggage Protection

Reimbursement for expenses incurred if your checked luggage arrives at least 4 hours late.

Mobile Phone Theft

Reimbursement for a stolen mobile phone that was purchased with your N26 Black account.

Cash Theft Protection

Reimbursement for stolen cash if you get mugged up to 4 hours after withdrawing with your N26 Black card.

Purchase Protection

Cover for items purchased with your N26 Black account, when stolen or damaged as a result.

Pay like a local—without exchange rate fees

Travel like you never left home. Your Mastercard lets you shop, eat, and explore. We show you the total in euros, so you always know what you're spending.

Pay using N26 Black Mastercard

Make traveling simpler and more secure with N26 Black

Sign up for an N26 Black account in 8 minutes and start planning your next trip.

Do you charge foreign transaction fees?

Unlike most banks, we don’t charge an exchange rate fee if you pay with your Mastercard. This makes it one of the best ways to pay or make purchases while abroad.

Is the N26 Black Mastercard a debit card or credit card?

The N26 Black Mastercard is a debit card, which means all transactions occur in realtime and are directly debited to your N26 bank account. It is not a credit card that comes with a monthly bill.

Does the N26 Black Mastercard have NFC functionality?

Yes - the N26 Black Mastercard includes NFC functionality for contactless payments up to €25 without having to enter a PIN. Purchases over €25 need to be confirmed by PIN. No compromising data is submitted during the payment process - only the card number and the card’s expiration date.

How do I start a claim?

Start a claim by going to N26 Black in the Control Center of the N26 app. Collect all the necessary documents for each type of claim, as instructed, and contact Allianz Global Assistance Europe at N26warranty.nl@allianz.com, to handle your claim. You also have the option of placing a call directly to Allianz. Allianz's service times are from 8.00 am to 5.00 pm CET on Mondays to Fridays (excluding public holidays).

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 Black 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 Black World Elite card status. Every N26 Black card holder is automatically entitled to enjoy these benefits, tailored to the needs of frequent travelers and globe-trotters.

If you’re 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.


Not available in Greece and Slovenia