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

1/6

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.

N26 Mastercard debit card—accepted worldwide

Your premium bank account comes with a Mastercard debit card in a choice of colors. Sign up in minutes, and enable mobile payments to start spending right away—even before your physical card arrives in the mail.

25
markets
~7 million
customers
8 minutes
to open a bank account
280k+
5* ratings across both iOS and Android app stores

A Mastercard, perfectly suited to you

Premium customer? Pick a Mastercard in 5 colors: Ocean, Sand, Rhubarb, Aqua or Slate. And with N26 Metal, get an exclusively-designed metal debit card crafted in 18-grams of stainless steel and an option of three stunning shades—choose a Charcoal Black Mastercard, or go for Slate Grey or Quartz Rose. If you have a free N26 Standard bank account, you can also order our signature transparent debit card for a one-off €10 delivery fee.

N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.

Pay with your Mastercard, around the globe

The perfect travel companion in your pocket, your Mastercard debit card is accepted worldwide and offers zero foreign transaction fees when spending abroad—with no mark ups or extra charges. Pay in stores, online and in-apps and spend like a local wherever you are in the world—all thanks to fee-free ATM withdrawals in any currency included with your N26 You and Metal account. Simply use the handy Mastercard ATM locator in your app to find your nearest cashpoint.

Security

Mastercard 3D Secure

Spending online? Mastercard SecureCode is an advanced two-factor authentication step that adds an additional layer of protection.

NFC technology

Your contactless Mastercard comes with NFC technology, and one tap is all it takes to pay in stores, online or in-apps.

Instant push notifications

With real-time push notifications after every transaction, you’ll always know about money coming in and out of your bank account.

Deposit protection

Your money is protected up to €100,000, thanks to our full European banking license and the German Deposit Protection Scheme.

Stay in control—24/7

You’re always in the driver’s seat with N26. Add your Mastercard debit card to your mobile wallet to make payments with your smartphone. With a few taps in the app, you can also lock or unlock your card, change your PIN or set daily spending and withdrawal limits—at home and abroad. Always misplacing your card? Order an extra to use with your N26 account, and never lose access to your money.

phone screen with N26 Metal Mastercard.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Your Mastercard, your way

Business or personal? Standard or premium? Whichever type of bank account you opt for, choose a Mastercard debit card that’s right for you. Go premium to pick your card’s color, or order a transparent debit card for a one-off delivery fee.

Get your Mastercard

FAQ

All N26 bank cards are Mastercard debit cards that come with contactless NFC technology—even our bespoke-design metal Mastercard. At present, we don’t offer credit cards with our accounts.

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.