Risk Indicator corresponding to the bank accounts N26 Standard, N26 Smart, N26 You and N26 Metal


This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.

Entity attached to the German Deposit Guarantee Fund. The fund guarantees deposits on money up to 100,000 euros per owner of the European Union and entity.

A Mastercard debit card designed for you

Are you a N26 premium account user? Then you can get a debit Mastercard in the color of your choice. And with N26 Metal, you’ll get a uniquely designed stainless steel metal card available in three finishes: charcoal black, quartz pink, or pearl gray. If you have a free N26 Standard account, you can order our transparent debit card for a one-time payment of €10 (shipping included). 

Open your account in just a few minutes and start using your card right away, even before it arrives at your home!


Our N26 debit cards

All the bank cards we offer are debit Mastercards with NFC technology for contactless payments—even our custom-designed Mastercard Metal. As a debit card, your Mastercard is connected to your bank account, so the money you spend will be immediately deducted from your N26 account. 

Pay or withdraw cash anywhere you are and keep your money safe with 3D Secure by Mastercard. Plus, add your card to your Apple Pay or Google Pay account to pay directly from your phone as soon as you open your account.

Pay with your card wherever you are

Everything you need to travel the world fits in your pocket: your N26 Mastercard with zero fees when paying abroad and the official Mastercard exchange rate which will make your trip full of only positive surprises. Enjoy online or in-store shopping anywhere in the world without additional fees and make commission-free ATM withdrawals in any currency with premium accounts. You can use the Mastercard ATM locator integrated in the N26 app to find the nearest one.

Open online bank account

Send and receive money instantly with Bizum

Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!


3D Secure from Mastercard

All your online payments are protected thanks to Mastercard SecureCode technology, which provides an extra layer of security for your online purchases.

NFC technology

Your Mastercard N26 contactless is compatible with NFC technology, so you can pay for your purchases securely and quickly in physical stores, online or in apps.

Push notifications

Thanks to real-time push notifications after every transaction, you are always up to date on what's going on in your bank account.

Deposit protection

With our European banking license, your money is protected up to 100.000 € by the German Deposit Guarantee Fund.

Control your Mastercard 24 hours a day

You're in control of your money and your card. Add your Mastercard debit card to your Google Pay or Apple Pay Wallet for mobile payments. Lock or unlock your card, change your PIN or set your daily spending and withdrawal limits, both at home and abroad, from the app in seconds. Don't know where your card is? Request an additional Mastercard linked to your account and never be left without access to your money. 

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.

See list of documents

Your Mastercard, your style

Business or personal, Standard or premium? Whichever account you choose, we have a Mastercard that fits you. Plus, you can select the color of your card if you choose one of our premium accounts, or order a transparent debit card for a one-time payment which covers shipping and handling only.


All N26 bank cards are Mastercard debit cards that come with contactless NFC technology—even our bespoke-design metal Mastercard. Shop or withdraw money anywhere in the world, and keep your money safe with 3D Secure from Mastercard. Plus, add your card to Apple Pay or Google Pay to spend and save with confidence—right from your phone.

Residents in Germany, the Netherlands and Austria can also order a Maestro card to accompany their primary debit Mastercard.

You can choose your physical Mastercard when you open an N26 premium bank account. Pick from a choice of 5 colors if you’re an N26 Smart, Business Smart, or N26 You and Business You customer. If you’ve signed up for an N26 Metal or Business Metal bank account, you can get a metal Mastercard available in three metallic shades.

If you’re a premium customer, your N26 Mastercard is included with your membership. Simply open a bank account in minutes, and pick your favorite color. The free N26 Standard bank account comes with a virtual card—simply add it to your mobile wallet to pay in stores, online or in-apps from your smartphone. You can also order a physical Mastercard to use with your bank account for a one-off €10 delivery fee.

Your N26 premium account offers many benefits, including Spaces sub-accounts for easier saving and Shared Spaces to manage money together with others. On top of this, enjoy a wide range of deals and offers from partner brands, and much more.

At present, we don’t offer credit cards. As a premium customer, your bank account comes with a Mastercard debit card.

No, your N26 Mastercard is not a prepaid card. It is a Mastercard debit card that is accepted worldwide, letting you carry out transactions with the money available in your account.

Learn here the difference among credit, debit, and prepaid cards