N26 Go — take your finances further

The all-in-one plan for banking, saving, and investing — at home and on the go.
Two women on a scooter by the sea. One shows the N26 app with account details. Icons above highlight medical insurance, luggage, and airport lounge access.

Make every trip pay off

Get 1% back when you pay abroad with your N26 Go
or Metal card, with no limit to how much you can earn! 

This cashback* applies whenever you use
your card outside the European Economic Area,
UK, and Switzerland — for up to 12 months. Get an additional 0.1% cashback on card payments
with N26 Business Go and 0.5% with Business Metal.
Open an account
A black N26 Mastercard is being used to make a contactless payment on a white card reader, with "1% cashback" written in green on a white rectangle in the bottom left corner.

Designed for effortless exploration

Here’s how N26 Go is made to meet your travel needs.
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Fee-free payments worldwide

Pay with your N26 card wherever you are — with no foreign transaction fees.
Discover Mastercard
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Free ATM withdrawals

Get five free domestic withdrawals per month and unlimited free withdrawals in foreign countries.
Learn about withdrawals
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Travel insurance

We’ve got you covered with trip insurance, emergency medical cover, and baggage insurance.

Unpack our travel insurance

Provided by Allianz Assistance, for when the unexpected happens.
Travel delay

Expenses due to delays over two hours are covered up to €500.

Emergency medical

Medical expenses abroad are covered up to €1 million.

Trip cancellation

Cancellation or rebooking fees are covered up to €10,000.

Baggage cover

For baggage damage, loss or theft, up to €2,000 per trip.

Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet and Conditions for Beneficaries .

Every cent in its Space

Stay organized with up to 10 Spaces sub-accounts. Save for goals or expenses, and use your virtual or physical card to pay from a Space.Send and receive money directly to your Spaces by assigning them a unique IBAN — perfect for direct debits or repeat transfers.
Show me N26 Spaces

Your ticket to the lounge

Travel stress-free with access to 1,300+ airport lounges worldwide. Your first visit is free with N26 Metal.
Open an account
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Stocks and ETFs the simple way

Trade stocks and ETFs for free**** in your banking app. Start investing in a few taps, with flexible savings plans, and with as little as €1.
Discover Stocks & ETFs
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Grow your money with us

Drag and drop money into your savings account, get interest**, and withdraw whenever you need to. Simple.
Explore Instant Savings
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Travel the world with one eSIM

Set up your travel eSIM once and get affordable data for 100+ destinations.
Get travel eSIM
A hand holds a smartphone displaying a list of countries for eSIM data plans, with callouts for Turkey, Japan, and USA showing prices.

1 Unlimited free ATM withdrawals in the local currency outside the eurozone is exclusive to N26 Go and Metal. 2 This promotion is applicable for N26 Go and N26 Metal customers. Participate in the promotion by clicking on the in-app message, email, or push notification and selecting ‘Enrol’ on the in-app landing page. From the moment of successful enrollment, you will receive 1% cashback for up to 12 months on qualifying transactions made with your N26 Mastercard outside the European Economic Area (EEA), Switzerland, and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway. See full T&Cs here: https://n26.com/hb-ex. 3 Exclusions and restrictions apply. For more information, please see the N26 Go Allianz Assistance Insurance Product Information Sheet and N26 Go Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive 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. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. 4 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access. 5 Travel eSIM data plans, partnered with its connectivity provider 1GLOBAL, are available for purchase in the app. 6 Investing involves risk of financial loss. Stocks and ETFs: All investments carry a risk of loss of principal. Equities and ETFs can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities and ETFs). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank SE. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH. Crypto: Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v).

FAQ

    You must meet the following requirements to open an N26 Go account:
    • Be over the age of 18
    • Live in an eligible country
    • Have your own smartphone
    • Not yet have an account with N26
    • Have a valid ID
    • Be able to verify yourself in one of our supported languages: English, French, Italian, Spanish, or German
    Find more information about opening an account here.

    Once you've checked that you meet our basic requirements, just download the N26 app to open your account. Forget the paperwork — opening an N26 Go bank account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.

    The N26 Go account costs €9.90 per month.

    N26 Go is a bank account with travel insurance benefits provided by Allianz Assistance. This versatile package of insurance includes coverage for travel and baggage delays, baggage loss, and medical coverage in case of emergencies abroad.

    N26 Go is a paid bank account that includes a physical Debit Mastercard, six virtual cards, and five free ATM withdrawals in the eurozone per month. Designed for seamless travel, it offers unlimited free ATM withdrawals worldwide, market-leading exchange rates, and 1% cashback on all card payments made outside the EEA, UK, and Switzerland. You’re protected on every trip with a comprehensive travel insurance package by Allianz Assistance and can stay connected with an integrated travel eSIM for data in over 100 countries. For added comfort, you can also purchase discounted airport lounge passes directly in the app. Budgeting is simple with up to 10 Spaces sub-accounts, including Shared Spaces to manage money with others. You can also grow your wealth through N26 Instant Savings and build an investment portfolio with stocks, ETFs, and crypto right in your N26 app. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.

    We don’t charge an exchange rate fee if you pay with your N26 Mastercard or withdraw cash in a foreign currency. With N26 Go, you have a truly international card in your wallet.

    To find out more about the insurance benefits associated with your N26 Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. Trip Cancellation Which events are covered?
    • Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
    • Individual quarantine and other events listed in the collective insurance agreement
    What will be reimbursed?
    • Cancellation fees up to €10,000 per trip for trip cancellation
    Travel Interruption Which events are covered?
    Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
    • Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
    What will be reimbursed?
    • Prorated costs of the covered travel services booked but unused at the destination up to €10,000 per trip
    • Necessary transportation expenses to continue the trip or return home
    • Additional accommodation/ transportation expenses if prolongation of the trip is necessary up to €100/day/per trip for a max. of three days
    Travel Delay Which events are covered?
    • Trip delayed due to covered reasons by at least two hours.
    What will be reimbursed?
    • Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip
    Baggage and Baggage Delay Which events are covered?
    • Reimbursement in case of damage, theft or loss of items
    • Reimbursement for essential items purchased if luggage is delayed by more than four hours
    What will be reimbursed?
    • Baggage: Up to €2,000 per trip Baggage delay: Up to €500 per trip
    Identification Document Coverage Which events are covered?
    • Reimbursement in case of damage, theft or loss of travel documents
    What will be reimbursed?
    • Necessary costs for emergency replacement identification document up to €500 per trip
    Emergency medical/dental benefits abroad & Emergency transportation Which events are covered?
    • Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
    What will be reimbursed?
    • Reimbursement of medical expenses abroad
    • Costs for emergency transportation and medically advisable and justifiable medical repatriation Max. amount covered:
    • For medical emergency treatment: up to €1,000,000 per trip
    • For dental emergency treatment: up to €250 per trip
    • For medical repatriation up to the actual cost for search, rescue and recovery: up to €2,300 per trip
    Personal Liability What will be reimbursed?
    • Costs payable to a third party following damage or injury. Max. amount covered: up to €500,000 per trip

    To find out more about the insurance benefits associated with your N26 Go 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.
    • 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.

    Please consult the respective Section of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations. Main exclusions
    • War (declared or undeclared) or acts of war
    • Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
    • Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
    • Intentional self-harm or attempt of suicide.
    • Unstabilized illnesses or injuries that were diagnosed or treated.
    • An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description.
    • Local health situations, pollution, weather or climate events.
    • Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description.
    • Expenses incurred without the prior agreement of our assistance department.
    • The cost of treatment or care not resulting from a medical emergency.
    • The consumption of alcohol or drugs not medically prescribed.
    • Participation in a professional or dangerous sport.
    Main restriction
    • Trip cancellation: deductible: €20 per beneficiary.

Tier pages - Allianz Desktop 1080x70px. You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go features comprehensive 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.