More complete than a prepaid card - N26

Discover the freedom and flexibility of the N26 card. With our 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 card today.
Get your Mastercard
Transparent N26 Standard Mastercard with plant in the background.
Risk indicator for all N26 accounts.
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.

24

markets

~8 million

customers

Just minutes

to open a bank account

280k+

5* ratings across both iOS and Android app stores

Beyond a prepaid 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 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 card!
N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.

Pay with your card wherever you are

Your N26 card is accepted worldwide, making it the perfect companion for travels. Pay online, in stores, and apps with your 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.
Get your Mastercard

Security

Security Icon

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.

Contactless Icon

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.

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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.

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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. 
phone screen with N26 Metal Mastercard.

N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1,25% AER/NIR* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

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    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

Open a Standard account
POPULAR

N26 Smart

Save + spend with premium perks

N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus

  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 You

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

Open an You account

N26 Metal

Our most premium plan

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 You, Plus

  • 2.5% AER (3% NIR)* interest on your N26 Instant Savings

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Priority customer hotline

Open a Metal account

FAQ

    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.

    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

    Mastercard Click to Pay is an additional layer of security for online shopping that lets you check out, safely and instantly, without needing your card.

    To use Click to Pay, you’ll first need to add your card. To do this, go to the ‘Cards’ tab, choose the card you’d like to add and select ‘Mobile and online wallets’. Choose ‘Click to Pay’ and follow the instructions from there.