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
Open bank account
A man behind a counter hands a card to a customer who is looking at his smartphone.

Free limited-edition virtual cards

Pick from a new line-up of football virtual cards. Available only until July 20.1
A smartphone screen displays a fan-shaped stack of four N26 Mastercard virtual debit cards with football-themed designs, set against the background of a blurred football stadium.

The card that celebrates you

Our iconic transparent card just got a makeover. The limited-edition Confetti card is designed to make all your money moments with N26 feel like a celebration — from tapping to saving and everything in between.2
A laughing young couple embraces in a room filled with moving boxes, while the woman holds up a colorful credit card and a set of keys.

1 The Confetti Card is a limited-edition design option for your physical N26 Mastercard, available from 26.06.2026 until 31.12.2026 or while stocks last. Physical N26 Mastercards are available according to your N26 plan (Standard, Smart, Go, or Metal) and are subject to the applicable T&Cs and Price List.

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
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N26 Smart

Choose from five colors and up to six virtual cards.

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N26 Go

Choose from six colors and up to six virtual cards.

Learn more
A graphic close-up shows the front of a black N26 Mastercard.

N26 Metal

Choose from three 18-gram metal cards.

Learn more

Mastercard makes travel simple

Make fee-free card payments worldwide. Get unlimited global ATM withdrawals with N26 Go and Metal.
A hand holds a smartphone outdoors displaying a digital pink luggage-themed N26 Mastercard on the screen.

Smile-worthy virtual cards

Customize how you bank with up to six virtual cards — link them to any of your Spaces sub-accounts.
Open bank account
Open bank account
Three novelty N26 Mastercards are stacked, styled as a pink suitcase, a bar of soap, and a biscuit.

The safe, speedy way to pay

Mastercard Click to Pay lets you check out online without having to enter your details each time.
A hand holds a smartphone ready for a contactless payment with an N26 card on screen and a Mastercard icon overlaid.

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.

1 The new limited-edition virtual cards can be activated at no extra cost. Up to six virtual cards can be activated at one time. Football virtual cards are only available from June 11 until July 20, 2026.

2 The Confetti Card is a limited-edition design option for your physical N26 Mastercard, available from 26.06.2026 until 31.12.2026 or while stocks last. Physical N26 Mastercards are available according to your N26 plan (Standard, Smart, Go, or Metal) and are subject to the applicable T&Cs and Price List.

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, Go, or Metal plan, 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.

  • All plans come with one virtual card. With N26 Standard you can purchase up to 6 additional virtual cards for €2.59 each. N26 Smart, Go, and Metal plans include up to 6 virtual cards at no extra cost.
Open bank account
Open bank account
Open bank account