N26 Virtual Card: Your New Prepaid Solution
Experience the convenience of a prepaid card with N26 Bank. As a premium customer, create a Space to set aside funds and attach a virtual card, transforming it into a prepaid solution for controlled spending.
- 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
24
markets
~8 million
customers
Just minutes
to open a bank account
280k+
5* ratings across both iOS and Android app stores
Beyond a prepaid 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 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 card!
Pay with your card wherever you are
Your N26 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 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 card provides additional protection for your online transactions through two-factor authentication.
NFC technology
Your 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 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 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 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
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.
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.
N26 Spaces are sub-accounts that sit parallel to your main N26 bank account. It’s similar to a savings account—spaces can hold your money aside, but can’t be used for spending with your N26 Mastercard. As a premium feature, you can create 10 Spaces sub-accounts with individual IBANs, allowing you to set up standing orders for recurring payments, pay via direct debit, and send or receive SEPA transfers—right from each space.
As a premium customer, you can pay from a Space with your N26 card or by bank transfer, direct debit, or standing order.
To pay from a Space with your virtual or physical card, just go to the ‘Cards’ tab then tap on ‘Card Settings’ and choose the Space you want to link your card to.
To pay by bank transfer, direct debit, or to set up a standing order for regularly recurring payments, you’ll need to create a Space with its own unique IBAN. To create a Space with an IBAN, go to the ‘Finances’ tab, tap on ‘Create a Space’ and select ‘Bills and Payments’.
You can create up to 10 Spaces with IBANs with an N26 premium bank account. Open yours now, and tap on the ‘Finances’ tab in your N26 app to get started.
If you’re an N26 Standard customer who opened an account before March 18, 2021, you can also create up to 2 Spaces sub-accounts.
A virtual debit card is exactly like a physical debit card, just in digital form. You can use it for online purchases or add it to Apple Pay or Google Pay for secure, contactless in-store purchases.
A virtual debit card can be used just like you would use a physical bank card. In addition to online purchases, you can use a virtual card for contactless payments in stores by adding it to Apple Pay or Google Pay. You can also use it to withdraw cash at cash machines equipped with contactless NFC technology.
A prepaid debit card is not linked to a bank account. Once you run out of money on the card, you need to top it up with additional funds. In contrast, a virtual card is linked to your bank account and can be used just like a normal debit card. N26 offers virtual cards, but not prepaid debit cards.
All N26 premium accounts let you add a digital version of your physical N26 debit Mastercard to your digital wallet. All N26 Business and N26 Standard customers can add one virtual card to their accounts with no extra cost, while premium customers can add up to six virtual cards to their accounts. Every virtual card has its own card number and can be locked without affecting your main card.