A free Mastercard debit card designed for you

Discover the freedom and flexibility of the free N26 Mastercard. With our free Mastercard you always have your finances under control. No stress, no hidden costs - just full control over your money. Pay worldwide, withdraw cash and manage your expenses conveniently from your smartphone. Experience a new way of paying and start today with your free Mastercard into a stress-free financial future.
Get a free Mastercard
Transparent N26 Standard Mastercard with plant in the background.

24

markets

~8 million

customers

Just minutes

to open a bank account

280k+

5* ratings across both iOS and Android app stores

Discover the advantages of our free debit card

N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.

Pay with your free debit card wherever you are

Your N26 free debit card is accepted worldwide, making it the perfect companion for travels. Pay online, in stores, and apps with your debit card, and forget about foreign currency fees - we don't charge any additional fees for transactions in foreign currencies. With N26 You or N26 Metal, you can also withdraw cash for free at ATMs abroad. With the convenient ATM finder in your N26 app, you can easily locate the nearest ATM even more effortlessly.
Get a free Mastercard
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3D Secure from Mastercard

Do you enjoy shopping online? 3D Secure on your free debit card provides additional protection for your online transactions through two-factor authentication.

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NFC technology

Your free debit card N26 contactless is compatible with NFC technology, so you can pay for your purchases securely and quickly in physical stores, online or in apps.

Notifications Icon

Push notifications

Thanks to real-time push notifications after every transaction, you are always up to date on what's going on in your bank account.

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Deposit protection

With our European banking license, your money is protected up to 100.000 € by the German Deposit Guarantee Fund.

Control your free debit card 24 hours a day

At N26, you set the rules for your free checking account. With just a few clicks in the N26 app, you can lock and unlock your N26 free debit card, change your PIN, and set daily spending and withdrawal limits. You can also enable or disable online and international payments as well as withdrawals. Simply link your debit card to Google Pay or Apple Pay to use mobile payments.
phone screen with N26 Metal Mastercard.

Get a discount when you pay annually

Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • Apple Pay & Google Pay

  • Free payments worldwide

  • Up to 3 free ATM withdrawals per month

  • -

    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

N26 Standard
POPULAR

N26 Smart

Save + spend with premium perks

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Rhubarb.
N26 You card, Wheat.
N26 You card, Petrol.

From €3.90/month

All benefits of N26 Standard, Plus

  • A physical and virtual card

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

N26 Smart

N26 You

Travel with premium perks

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Rhubarb.
N26 You card, Wheat.
N26 You card, Petrol.

From €7.90/month

All benefits of N26 Smart, Plus

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

  • Emergencies when travelling

N26 You

N26 Metal

Our most premium plan

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

From €13.50/month

All benefits of N26 You, Plus

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Purchase protection

  • Priority customer hotline

N26 Metal

FAQs

    All N26 bank cards are Mastercard debit cards that come with contactless NFC technology—even our bespoke-design metal Mastercard. Shop or withdraw money anywhere in the world, and keep your money safe with 3D Secure from Mastercard. Plus, add your card to Apple Pay or Google Pay to spend and save with confidence—right from your phone. Please note that we don’t currently offer credit cards with our accounts.

    Maestro cards can only be used as debit cards, meaning they only have access to the funds on the owner’s bank account. A Mastercard, on the other hand, can be issued as a debit card or a as a credit card, where purchases made on the card are billed to the customer at the end of the month. Mastercard also offers prepaid cards, where customers can add funds to the card without connecting it to their bank account.

    If you’re a premium customer, your N26 Mastercard is included with your membership. Simply open a bank account in minutes, and pick your favorite color. The free N26 Standard bank account comes with a virtual card—simply add it to your mobile wallet to pay in stores, online or in-apps from your smartphone. You can also order a physical Mastercard to use with your bank account for a one-off €10 delivery fee.

    All Mastercards are not created equal, and the features included in a Mastercard depend on the issuing bank. Some banks issue Mastercard credit cards, while others offer Mastercard debit cards. At some banks, cash withdrawals above a certain amount are subject to a fee—and there are also banks that don’t offer Mastercards with a German IBAN, but rather with a foreign one. If you choose to get an N26 debit Mastercard, you’ll benefit from a German IBAN, free payments worldwide, and 3D Secure technology for safe online payments.

    A free debit Mastercard can be used for various things. Use it to pay online, in-app or in stores—or use it to withdraw cash from ATMs. If your debit Mastercard comes with NFC technology, you can also use it for contactless payments. At some banks, you can also link your debit Mastercard to Apple Pay or Google Pay in order to pay with your smartphone—which comes in handy if you forgot your card at home.

    Mastercard and Visa are both payment networks. They don’t, however, issue cards—only a bank can do that. Mastercard and Visa cards don’t differ much on their own and are accepted by most merchants, but the kind of card you have can differ when it comes to your APR, perks and benefits, and more, depending on your bank account.