Bank like a local, anywhere
Make free ATM withdrawals worldwide, use your card with no foreign transaction fees, and enjoy insurance coverage with N26 You and Metal.Open free bank account
Get cashback on travel spending
Use your N26 card to spend at least €750 on hotels, flights, and more within 30 days and get €100 cashback. Sign up by June 15*.
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*Sign up by June 15. Spend €750 on travel within 30 days with your N26 card and get €100 in cashback. Eligibility is based on the MCC (Merchant Category Code) assigned by the merchant’s payment processor. We do not control these codes, and some travel-related merchants may not qualify. Detailed T&Cs can be found here: https://n26.com/stb-tc.
Fee-free payments worldwide
Pay with your N26 card wherever you go — with no foreign transaction fees.
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Travel insurance you can bank on
With N26 You and Metal, get insurance coverage for travel delays, medical emergencies, baggage, and trip cancellations.
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Trusted banking on the go
Stay in control wherever you go with a card you can lock instantly in the app, customizable security settings, and 24/7 chat support.
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Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
Open free bank accountYou can see all the information you need to start a claim or reach Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries for N26 Metal and for N26 You.
N26 Metal and N26 You feature insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch), one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
FAQ
- Events occurring outside the validity dates indicated in the conditions for beneficiaries.
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
- Damage of any kind caused intentionally by the beneficiary or with their complicity.
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events.
- Claims arising due to pre-existing medical conditions.
- Violation of international sanctions, laws, or regulations.
- The policy deductible that is applicable to claims made under some benefit sections.
- Financial limits apply to each benefit section.
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.
You have until June 15 to sign up and accept the terms and conditions. From then you’ll have 30 days to spend €750 with your N26 card on travel-related purchases to be eligible for the cashback.
We’ll pay your cashback directly to your N26 account 3 weeks after the campaign ends.
Qualifying transactions include card payments for accommodation, modes of transport, travel agents, tour operators, and booking platforms. Eligibility is based on the MCC (Merchant Category Code) assigned by the merchant’s payment processor. We do not control these codes, and some travel-related merchants may not qualify. Detailed T&Cs can be found here: https://n26.com/stb-tc.
This offer is for anyone who banks with N26, regardless of their plan. You just need to sign up and agree to the T&Cs in the app.
To find out more about the insurance benefits associated with your N26 You account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.
With N26, you can make free card payments worldwide — as often as you like and with no foreign transaction fees.
Outside of the Eurozone, N26 You and N26 Metal customers don’t pay foreign exchange fees, while N26 Standard and Smart customers pay a 1.7% foreign currency conversion fee on withdrawals. Within the Eurozone, N26 customers do not pay any additional fees.
Yes, your card is protected no matter where you travel. Easily lock and unlock your card in seconds right from your phone, and get instant notifications for every payment, so you can rest assured that your money is safe — even if your card goes missing. Plus, N26 has a full banking license, meaning your deposits are protected up to €100,000.
Yes! All N26 cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. N26 You and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.
Our premium plans, N26 You and N26 Metal, offer various insurance packages. These cover events from accidents, to trip delays, cancellations, and baggage insurance. All alongside fee-free card payments, free global ATM withdrawals, and much more.