A Mastercard debit card designed for you
- Discover the freedom and flexibility of an N26 debit Mastercard
- Get full control over your finances at all times
- No stress, no hidden costs
- Pay worldwide, withdraw cash, and manage expenses right from your smartphone
- Kick off your stress-free financial future
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 debit card
Enjoy the official Mastercard exchange rate, ensuring you always get the best deal. Additionally, you can withdraw cash in any currency for free - worldwide, at any ATM. Conveniently and securely make online payments with our debit card as well. No hidden fees, just pure freedom and easy banking. Experience a new way of payment and become part of our community. Start now and get your debit card!
Pay with your debit card wherever you are
Your N26 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.
3D Secure from Mastercard
Do you enjoy shopping online? 3D Secure on your debit card provides additional protection for your online transactions through two-factor authentication.
NFC technology
Your 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.
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.
Deposit protection
With our European banking license, your money is protected up to 100.000 € by the German Deposit Guarantee Fund.
Control your 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 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.
Flexible banking without SCHUFA
N26 Flex is the account without Schufa that lets you bank, spend, and save as normal. Open your account in minutes and enjoy smart, flexible banking straight away — even if you have a negative SCHUFA score. With N26 Flex, get a Mastercard debit card for making payments in stores and create two Spaces sub-accounts to help you organize your money. Flexible banking no matter what your SCHUFA rating is.
Account without Schufa
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
Virtual Card
€0.00/month
Apple Pay & Google Pay
Free payments worldwide
Up to 3 free ATM withdrawals per month
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*Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
From €3.90/month
N26 You
Travel with premium perks
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 Metal
Our most premium plan
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
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 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.
In short, no. A bank can issue Mastercards either as a debit card or as a credit card. As a credit card holder, you'll be billed for purchases made with the card at the end of the month. A debit card, however, is linked to your checking account and the money is withdrawn as soon as you make a purchase. Mastercard also offers prepaid cards that aren’t linked to your bank account—simply top them up with funds when you need to use them.
A Mastercard Gold offers a number of advantages compared to a Mastercard Standard. These can range from additional insurances such as purchase insurance or a higher limit for cash withdrawals. The exact features are determined by the issuing bank.
Mastercard Platinum is Mastercard’s premium product, which offers you even more benefits than Mastercard Gold. The included benefits ranging from extensive insurance benefits to the concierge service, which supports you when planning and booking trips. However, before you order your Mastercard Platinum, you should find out which services the issuing bank offers, as they may differ.
A World Mastercard is a card that comes with services such as security features, travel benefits and access to 24/7 service hotlines. However, as with other cards, the precise features will vary depending on which bank issues the card.
The World Elite Mastercard is a premium credit card that offers numerous benefits to its card holders. Whether it's comprehensive insurance benefits, free access to airport lounges, or a concierge service for travel and business—if you have the privilege to own a World Elite Mastercard, you can benefit from many exclusive perks.
Mastercard Click to Pay is an additional layer of security for online shopping that lets you check out, safely and instantly, without needing your card.
To use Click to Pay, you’ll first need to add your card. To do this, go to the ‘Cards’ tab, choose the card you’d like to add and select ‘Mobile and online wallets’. Choose ‘Click to Pay’ and follow the instructions from there.