N26 You
Your international bank account for travel and everyday life
Start earning interest
![Image showing 2.26% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.](https://images.ctfassets.net/q33z48p65a6w/6Y23xKeYBVpwcwMylPNhcX/ad57513d6f83bb867f27c8ca194e06a4/CRST-3580_Savings_DE_Metal_Offer_Upgrade_Web_LP_textmedia_03-background_Smart-You_1400x1050_EN.png?fit=thumb&fm=png&q=80&w=360)
Free trades every month
![Gymnast wearing color teal clothes and holding a mobile showing investments. In the foreground there is a pop with the Stocks and ETFs balance.](https://images.ctfassets.net/q33z48p65a6w/1A7AVLnnwkrZAl7bfMs68L/ee57e8c6e3911b8375553cf72fe3c516/CRST-3492_Equities_Web_textmedia-centered_Tier-Module_Metal_1400x1050px_EN.png?fit=thumb&fm=png&q=80&w=360)
8 minutes
to open an international bank account
Priority phone support
with access to our dedicated hotline
Deposit protection
of up to €100,000
A full banking license
since 2016
Manage your money with Spaces sub-accounts
![Sub-accounts concept.](https://images.ctfassets.net/q33z48p65a6w/CXDRQ1EGBYZPLnazsPMLn/9e606d2bc81ca91929887f5ea2af6fd3/0720_N26You_LandingPage_SubAccounts__1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
Pay via card from your Spaces
Want to spend directly from a Space and save the hassle of transferring money back and forth? Simply link your N26 debit Mastercard to one of your Spaces in seconds. It’s fast, simple, and gives you even more control over your spending.
Sort your income into Spaces
With N26, you can automate your budget easily with Income Sorter. Automatically move either a percentage or a fixed amount of your incoming funds to one or more of your Spaces. Saving has never been so easy.
Fee-free ATM withdrawals and payments in foreign currencies
Travel emergencies
Get covered up to €1,000,000 for medical costs, up to €250 for dental costs, and up to €2,300 for emergency medical transportation while traveling.
Baggage loss and delay
Get covered up to €500 for baggage delays of over four hours, or up to €2,000 if your baggage is stolen, goes missing, or is accidentally damaged.
Travel delays
If your flight is delayed by at least two hours, you’ll get €500 in compensation — and receive €100 for each additional hour.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
Treat yourself to premium partner offers
![N26 Premium Partners.](https://images.ctfassets.net/q33z48p65a6w/41AasI8tLHGHw9Qh4Cm74G/cacae360912a6adf3bce31de53cbc5da/0720_N26You_LandingPage_Partnerships__1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
Get an extra card for when you need it
Customer Support is here for you!
![Customer Support screen.](https://images.ctfassets.net/q33z48p65a6w/1N0hdg1oR9faLsWUJ8uzxl/de04cb3934029c163e7977521fca5c1b/2003_Support-Chat_ENEU_700x700.png?fit=thumb&fm=png&q=80&w=360)
Explore the world with N26 You
Frequently asked questions
- What are the benefits of an N26 You account?
- How do I open an N26 You bank account?
- What do I need to open an N26 You bank account?
- How much does the N26 You bank account cost?
- What kind of travel insurance does the N26 You bank account offer?
- Do you charge foreign transaction fees?
- What are the differences between the N26 You bank account and N26 Business You bank account?
- What are Spaces sub-accounts, and how can I use them?
- Does N26 offer an account switching service?
- What is an international bank account?
![Allianz Logo - Updated June 2020.](http://images.ctfassets.net/q33z48p65a6w/3tPTf9bIUE0KEQAW0iKKQ6/f09dcfad06587a3a090b1ffb09160f65/Allianz_Assistance_CMYK_Print.png?fit=thumb&fm=png&q=80&w=320)