Risk indicator for all N26 accounts.
1/6
1/6 This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
A Mastercard debit card designed for you
Discover the freedom and flexibility of the N26 debit card. With our debit card, you have control over your finances at all times. No stress, no hidden costs - just full control over your money. Pay worldwide, withdraw cash, and manage your expenses conveniently from your smartphone. Experience a new way of payment and start your stress-free financial future with your debit card today.
Discover the advantages of our debit card
Enjoy the official Mastercard exchange rate, ensuring you always get the best deal. Additionally, you can withdraw cash in any currency for free - worldwide, at any ATM. Conveniently and securely make online payments with our debit card as well. No hidden fees, just pure freedom and easy banking. Experience a new way of payment and become part of our community. Start now and get your debit card!
Pay with your debit card wherever you are
Your N26 debit card is accepted worldwide, making it the perfect companion for travels. Pay online, in stores, and apps with your debit card, and forget about foreign currency fees - we don't charge any additional fees for transactions in foreign currencies. With N26 You or N26 Metal, you can also withdraw cash for free at ATMs abroad. With the convenient ATM finder in your N26 app, you can easily locate the nearest ATM even more effortlessly.
Security
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.
Get a discount when you pay annually
Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.
N26 Standard
The free online bank account
- Apple Pay & Google Pay
- Free payments worldwide
- Up to 3 free ATM withdrawals per month
- *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
- A physical and virtual card
- Up to 5 free ATM withdrawals per month
- 10 Spaces sub-accounts
- Phone support 7 days a week
N26 You
Travel with premium perks
- Unlimited free withdrawals in foreign currencies
- Insurance for delay and theft of luggage
- Medical emergency cover
- Emergencies when travelling
N26 Metal
Our most premium plan
- An 18-gram metal card
- Up to 8 free ATM withdrawals per month
- Purchase protection
- Priority customer hotline
FAQ
What is the N26 Mastercard debit card?
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.
How can I choose my own N26 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.
Is the N26 Mastercard free?
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.
What are the benefits of an N26 premium account?
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.
Is the N26 Mastercard a credit card?
At present, we don’t offer credit cards. As a premium customer, your bank account comes with a Mastercard debit card.
Is the N26 Mastercard a prepaid 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