N26 You

A debit card for everyday and travel

A premium account for your daily needs and travel abroad—without the hidden fees. Open your bank account, and get an N26 debit card in your choice of color.

The everyday bank account with insurance

N26 You is a premium bank account designed for your daily needs. Make payments via direct debit, SEPA transfer and through your mobile wallet, and benefit from a handy package of lifestyle, mobility and travel insurance for extra peace of mind while on-the-go.

N26 You Timeline Feature in App.
Colourful N26 You cards on a table.

A colorful Mastercard debit card

Get a contactless debit card in a choice of 5 colors—Ocean, Sand, Rhubarb, Aqua or Slate.

Manage your money with sub-accounts

With Spaces, your premium membership lets you create up to 10 sub-accounts alongside your main account, helping you organize your finances and reach your savings goals. As a premium user, you can even invite up to 10 other N26 users to join your space to easily manage your money together with family and friends. Simply create a space, name it whatever you want—“Tom’s birthday” or “Summer Holiday,” for example—and start putting funds aside.

Discover Spaces
Sub-accounts concept.

Fee-free ATM withdrawals and payments in foreign currencies

Forget foreign transaction fees. Withdraw cash for free in any currency from ATMs around the world, and pay using your N26 You Mastercard debit online and in stores with zero fees. You’ll also benefit from the Mastercard exchange rate, without any markups.

Treat yourself to premium partner offers

Your N26 You bank account comes with hand-picked offers and discounts from brand names like Headspace, GetYourGuide and Hotels.com, all carefully curated with you and your personal lifestyle in mind.

Partner Offers
N26 Premium Partners.
Band-aid plaster - Travel Insurance.

Extensive travel insurance coverage*

Explore the world with N26 You—an account that comes with travel insurance that covers you wherever you are. Just get up and go, without the worry.

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Emergency medical coverage

The N26 You policy provides cover for you, your spouse and children in case of a medical emergency while traveling, with access to 24/7 medical phone assistance. This includes dental insurance in case of emergencies.

Flight delay compensation icon.

Luggage loss and delay insurance

If your luggage is held up or goes missing, claim compensation to make sure you never end up stranded without your essentials.

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Flight delay compensation

With N26 You, get compensated whenever your flight is more than 4 hours delayed.

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Trip curtailment or cancellation coverage

Don’t let bad luck ruin your trip. If you can’t make it to the airport, N26 You’s trip curtailment and cancellation insurance has you covered.

Go further with mobility insurance

Stay insured while traveling, but also as you go about your day-to-day. N26 You covers you at home, and includes mobility insurance, so you can enjoy that extra peace of mind.

Mobility insurance.
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Winter sports emergency cover

Love to ski or snowboard? With N26, rest assured you’re covered on the slopes in case something goes wrong, thanks to your account’s winter sports insurance.

Enjoy bike, scooter and car sharing insurance*

If you enjoy using an app to hire transport for your next short trip, N26 You includes cover for car shares, bike and scooter hires, so you can get from A to B without the worry.

Get an extra card for when you need it

Ever lost your card and had to wait days for the new one to arrive? To make your day-to-day a little bit easier, N26 You allows you to order an additional debit card to use with your personal account. This way, you’ll always have access to your cash.

Read more

N26 Metal – the new generation premium account

Enjoy our exclusive premium banking experience with a stainless steel Mastercard, an extensive insurance package that includes mobile phone insurance, fee-free ATM withdrawals worldwide and zero foreign transaction fees around the globe.

Upgrade to Metal
A hand holding a credit card.

Customer Support is here for you!

Need urgent support right away? Our Customer Support team is on hand to help. Reach our specialists directly via the N26 app or the web app chat, or visit the Support Center to quickly find answers to your questions.

Visit Support Center
Customer Support screen.
N26 You card, Petrol.

Explore the world with N26 You

Open your N26 You account for €9.90 per month. Get a shiny new Mastercard debit card, and spend your money at home or abroad without hidden fees while enjoying an extensive insurance package.

Frequently asked questions

What are the benefits of an N26 You account?

N26 You is a premium membership bank account that comes with a colorful debit card, travel insurance and cover for flight, luggage and curtailment delays as well as luggage loss. You’ll also get exclusive partner deals and free foreign currency ATM withdrawals worldwide. See T&C’s for full details and availability.

How do I open an N26 You bank account?

To open an N26 You account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only 8 minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.

For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.

What do I need to open an N26 You bank account?

You can open an N26 You account via the N26 app on your smartphone or the web app. You’re eligible if:

  • You’re at least 18 years old
  • You’re a resident of a supported country
  • You have a compatible smartphone
  • You don’t already have an account with us
  • You will also need to provide a supported ID document, applicable to the country you’re resident in. Find further information here.

How much does the N26 You bank account cost?

An N26 You bank account costs €9.90 per month.

What kind of travel insurance does the N26 You bank account offer?

N26 You comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, medical cover in case of emergencies abroad (including dental insurance and winter sports insurance), rental of shared cards, scooters or bikes and much more.

Do you charge foreign transaction fees?

We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.

What are the differences between the N26 You bank account and N26 Business You bank account?

N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.

Allianz Logo - Updated June 2020. *Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C.S.A - Dutch branch) one of Europe's most trusted insurance companies.

Mastercard offers a range of complimentary privileges as part of your N26 You World card status. Every N26 You card holder is automatically entitled to enjoy these benefits, tailored to the needs of frequent travelers and globe-trotters.

If you are planning your next trip, also make sure to check out the Mastercard Priceless Cities* for exclusive events and recommendations. You only need your Mastercard to discover the most beautiful cities in the world, and your new experiences can begin.