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.
Manage your money with Spaces sub-accounts
Stay on top of your finances with 10 Spaces sub-accounts, each with its own IBAN. Easily pay bills via direct debit, set up standing orders for recurring payments, send SEPA bank transfers, and receive money—right in each sub-account.
Keen to save instead? Instantly put money aside to a space from your main account to avoid spending it, or save together with up to 10 others in a Shared Space. To reach your goals even faster, turn on Round-Ups and save up the spare change whenever you pay by card.Discover Spaces
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.
Extensive travel benefits, including COVID-19 coverage
Going abroad for necessary trips? Prepare for the unexpected with N26 You. Your membership is packed with travel benefits that cover you worldwide, including epidemic and pandemic coverage* for claims related to COVID-19. Stay protected while on-the-go during uncertain times—we’ve got you covered.
*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.Read more
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.
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.
Flight delay compensation
With N26 You, get compensated whenever your flight is more than 4 hours delayed.
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.
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.
Grow your savings every day
It pays to save with EasyFlex Savings. Set it up in just a few taps on your N26 app, and start earning competitive daily interest on your money—without locking it away.
Enjoy complete freedom on how you save with no minimum deposit time, and no notice periods. It's just another smart way to make your money go further with N26.Get EasyFlex Savings
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
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
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.
What does the pandemic coverage include?
If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and coverage for canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.
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.
What are Spaces sub-accounts, and how can I use them?
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.
With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.
*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.