How to withdraw money from a bank or ATM

In a digital age it is important to know you can still access cash when you need it. And whether it is from your bank, nearest ATM, or in-store cashback—there are plenty of ways to withdraw money.Wherever you are, at home or abroad, withdrawing or depositing physical funds could not be simpler. Discover our guide on how to withdraw money from an ATM or bank near you, and swiftly withdraw euros while you’re on the go.
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woman withdrawing money from an atm.

What is a cash withdrawal?

Cash withdrawals electronically convert funds from your bank account, savings, or pension to physical cash in hand. Cash deposits work exactly the same way, only in reverse—physical money is deposited and digitally added back into the linked account.

Withdrawing cash from the bank

If you visit a branch of your bank, a representative will handle your transaction in person. Take your debit card, or a form of ID and your account details, and they can process the withdrawal for you, as long as you have enough funds.

Withdrawing cash via cashback

You can withdraw money at many retail stores when making a debit card purchase—the requested amount is added to your bill total, then given to you in cash. You’ll later see the withdrawal in your account statement.

Withdrawing cash using an ATM

Automated teller machines (ATMs) link your debit card to your checking account, giving you full access to your funds. As most machines accept all cards, you can most likely use any ATM, no matter who you bank with.

Withdraw cash with N26

Open an N26 account in minutes and you will receive a free virtual N26 debit Mastercard with free cash withdrawals each month at select ATMs. Better still, our premium You and Metal accounts include unlimited free foreign currency withdrawals, anywhere in the world

How to withdraw money from an ATM

Making an ATM withdrawal couldn’t be easier. Just insert your physical card or scan your virtual one over the reader, select the language option, and enter your 4-digit PIN number. Once the PIN is approved, select ‘withdrawal’ for transaction type, and enter the amount you want to withdraw. Finally, collect your cash (and receipt if needed) and take back your debit card, if the machine hasn’t returned it already. Transaction complete!
image of an automated teller machine keyboard.

How to withdraw money abroad

How to withdraw money abroad

To withdraw money abroad, simply find a local ATM and complete your withdrawal using your PIN. You can also use CASH26 in selected European countries to withdraw cash at participating stores. Withdrawals in the Eurozone are free for N26 customers, and withdrawals worldwide are free for You and Metal account holders. However, the Terms and Conditions for withdrawals abroad may vary based on your account plan and country, so check your account for details.

Finding an ATM near you

Need the nearest ATM to withdraw money? You can use an online or app-based locator that provides a marked map of all ATMs in your current location. Use our N26 ATM locator feature now, and with one touch of the map symbol on the Cash map you can quickly navigate your way to the nearest ATM.

How to withdraw money without a card

How to withdraw money without a card

As an N26 customer, you can use your virtual Mastercard to withdraw cash from an NFC-enabled ATM with just your smartphone. Simply hold your card up to the reader to complete your transaction. Plus, if you’re in Germany, Austria, Italy, Spain, or Greece, you can use CASH26 to withdraw cash at participating stores—no card required.

Cash withdrawal: limits and amounts

Your cash withdrawal limit varies from bank to bank. Most ATM withdrawal limits are between €200–€300 a day. Always be aware of your bank's withdrawal limit, especially if the money you need exceeds that amount.For N26 customers, the maximum withdrawal limit from an ATM is €1000 for most countries. You can also lower the withdrawal limit in your smartphone app. For swift and easy access to your own cash up to €1000, choose the right N26 account for you.
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N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.

CASH26—withdraw money with N26

With N26, you can make convenient cash withdrawals at retail stores using CASH26. Just enter the amount you want to withdraw into the CASH26 section of your app, wait for the barcode to generate, scan your barcode at the register, and collect your cash from the cashier! Best of all, you dont even need to make a purchase or have your physical debit card on hand.
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Deposit money while you shop with CASH26.

Find a plan for you

N26 Smart

The bank account that gives you more control

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€4.90/month

  • Free Virtual Card

  • Up to 10 Spaces sub-accounts

  • Support Center phone number

  • Round-ups

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N26 You

The debit card for everyday and travel

N26 You card, Rhubarb.
N26 You card, Petrol.
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€9.90/month

  • Up to 5 free withdrawals in the Eurozone

  • Flight and luggage delay cover

  • Medical emergency cover

  • Winter activities insurance

  • Pandemic coverage

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N26 Metal

The premium account with a metal card

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€16.90/month

  • An 18-gram metal card

  • Up to 8 free withdrawals in the Eurozone

  • Purchase protection

  • Phone insurance

  • Dedicated N26 Metal line

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    To withdraw money from an automated teller machine (ATM) you will need your debit card specific to your checking account, and your 4-digit PIN number ready.

    To withdraw money from a tradicional bank, you will need your debit card specific to your checking account and a form of ID, to provide to the bank teller.

    Cash withdrawal limits vary from bank to bank. Some banks start at a €200 limit per day, but many go up to €300. With an N26 account, you can withdraw up to €1,000 per day or €2,500 weekly and set your limit lower at your discretion.

    You can locate your nearest ATM using an online app locator, which will give you a map that marks all ATM cash points near you. Find your nearest cash point with N26’s ATM location app.

    CASH26 is an N26 feature that allows customers to deposit or withdraw cash at all partner retail stores, using smartphone barcode technology via the N26 app.

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