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.
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.
N26 Standard
N26 You
N26 Metal
Your Mastercard debit
A transparent debit card
Accepted worldwide
Get your statement transparent Mastercard debit
A colorful debit card
Accepted worldwide
Choose from 5 card colors that best fit your style
An 18-gram metal card
Accepted worldwide
Choose from 3 metallic shades
Contactless payments
NFC technology-enabled
Go cashless and pay with your contactless card at the checkout
Contactless payments
NFC technology-enabled
Go cashless and pay with your contactless card at the checkout
Contactless payments
NFC technology-enabled
Go cashless and pay with your contactless card at the checkout
Mobile payments
With your Smartphone
You can use your N26 card with Apple Pay and Google Pay
Mobile payments
With your Smartphone
You can use your N26 card with Apple Pay and Google Pay
Mobile payments
With your Smartphone
You can use your N26 card with Apple Pay and Google Pay
Optional extra card
For more flexibility
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Optional extra card
For more flexibility
You can order an extra N26 card to use with your personal You plan, for a one off fee
Optional extra card
For more flexibility
You can order an extra N26 You card to use with your personal Metal plan, for a one off fee
Your bank account
100% mobile banking
100% mobile banking
Send and receive transfers, set up direct debits and standing orders, and transfer money instantly
100% mobile banking
100% mobile banking
Send and receive transfers, set up direct debits and standing orders, and transfer money instantly
100% mobile banking
100% mobile banking
Send and receive transfers, set up direct debits and standing orders, and transfer money instantly
Free payments worldwide
In any currency
Enjoy free and unlimited payments in any currency, wherever you are
Free payments worldwide
In any currency
Enjoy free and unlimited payments in any currency, wherever you are
Free payments worldwide
In any currency
Enjoy free and unlimited payments in any currency, wherever you are
Up to 3 free withdrawals
In the Eurozone
Enjoy up to 3 free withdrawals per month
Up to 5 free withdrawals
In the Eurozone
Enjoy up to 5 free withdrawals per month
Up to 8 free withdrawals
In the Eurozone
Enjoy up to 8 free withdrawals per month
Spanish IBAN
for your account
Manage your utility bills and set up direct debits from your account
Spanish IBAN
for your account
Manage your utility bills and set up direct debits from your account
Spanish IBAN
for your account
Manage your utility bills and set up direct debits from your account
Your travel insurance package
Travel medical insurance
In case of emergency
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Medical travel insurance
In case of emergencies
You're covered up to €1,000,000 for you, your partner and kids, inclusive of dental emergencies
Medical travel insurance
In case of emergencies
You're covered up to €1,000,000 for you, your partner and kids, inclusive of dental emergencies
Trip insurance
In case of cancelation
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Trip insurance
In case of cancelations
Up to €10,000 compensation in case of trip cancelation or curtailment if the event is covered
Trip insurance
In case of cancelations
Up to €10,000 compensation in case of trip cancelation or curtailment if the event is covered
Flight insurance
In case of delay
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Flight insurance
In case of delays
Claim compensation of up to €500 for flight delays over 4 hours
Flight insurance
In case of delays
Claim compensation of up to €500 for flight delays over 4 hours
Luggage coverage
In case of delay or loss
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Luggage coverage
In case of delay or loss
Claim compensation of up to €500 for baggage delays over 12 hours, and up to €2,000 if it goes missing
Luggage coverage
In case of delay or loss
Claim compensation of up to €500 for baggage delays over 12 hours, and up to €2,000 if it goes missing
Your lifestyle insurances
Mobility insurance
For shared vehicles
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Mobility insurance
For shared vehicles
Get your car sharing, e-scooter and e-bikes hires covered for damages, up to €20,000
Mobility insurance
For shared vehicles
Get your car sharing, e-scooter and e-bikes hires covered for damages, up to €20,000
Winter sport insurance
In case of accidents
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Winter sport insurance
In case of accidents
You're protected on trips to the mountains
Winter sport insurance
In case of accidents
You're protected on trips to the mountains
Car rental
Away from home
Not included
If you're interested in this feature, check out our Metal plan
Car rental
Away from home
Not included
If you're interested in this feature, check out our Metal plan
Car rental
Away from home
Your rental car hires abroad and further away from home are covered for up to €20,000
Phone insurance
For damage and theft
Not included
If you're interested in this feature, check out our Metal plan
Phone insurance
For damage and theft
Not included
If you're interested in this feature, check out our Metal plan
Phone insurance
For damage and theft
You’re covered up to €1,000 for mobile theft and damage if the event and phone are eligible
Your extra features
Up to 2 sub-accounts
with N26 Spaces
Create spaces to organize your money and save for your projects
Up to 10 sub-accounts
with N26 Spaces
Create spaces to organize your money and save for your projects
Up to 10 sub-accounts
with N26 Spaces
Create spaces to organize your money and save for your projects
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Create shared spaces to save money together with friends also using N26
Create shared spaces to save money together with friends also using N26
Partner offers
selected for you
Not included
If you're interested in this feature, check out our N26 You or Metal plans
Partner offers
selected for you
Enjoy premium partner offers and discounts with world-class brands
Partner offers
selected for you
Enjoy premium partner offers and discounts with world-class brands
Unique Experiences
carefully curated just for you
Not included
If you're interested in this feature, check out our Metal plan
Unique Experiences
carefully curated just for you
Not included
If you're interested in this feature, check out our Metal plan
Unique Experiences
carefully curated just for you
Benefit from a selection of access benefits and bespoke rewards
Your Customer Support
Chatbot support
24/7 assistance
Our chatbot can answer your basic questions, 24/7
Chatbot support
24/7 assistance
Our chatbot can answer your basic questions, 24/7
Chatbot support
24/7 assistance
Our chatbot can answer your basic questions, 24/7
In-app livechat
with our specialists
You can contact us directly through your N26 app or via the web app, 7 days a week
In-app livechat
with our specialists
You can contact us directly through your N26 app or via the web app, 7 days a week
In-app livechat
with our specialists
You can contact us directly through your N26 app or via the web app, 7 days a week
Dedicated N26 Metal line
Contact us via phone
Not included
If you're interested in this feature, check out our Metal plan
Dedicated N26 Metal line
Contact us via phone
Not included
If you're interested in this feature, check out our Metal plan
Dedicated N26 Metal line
Contact us via phone
You can contact us via phone thanks to a priority line, 7 days a week
Your account security
Deposit protection
Up to €100,000
Your money is protected by the German Deposit Protection Scheme
Deposit protection
Up to €100,000
Your money is protected by the German Deposit Protection Scheme
Deposit protection
Up to €100,000
Your money is protected by the German Deposit Protection Scheme
3D Secure
For your online payments
All your online payments are secure, thanks to advanced 3D Secure (3DS) technology
3D Secure
For your online payments
All your online payments are secure, thanks to advanced 3D Secure (3DS) technology
3D Secure
For your online payments
All your online payments are secure, thanks to advanced 3D Secure (3DS) technology
Two-factor authentication
For a secure log-in
An additional layer of security to keep your money safe
Two-factor authentication
For a secure log-in
An additional layer of security to keep your money safe
Two-factor authentication
For a secure log-in
An additional layer of security to keep your money safe
Services and Fees for everyone who registers with an address in Spain.
For our detailed price list, view PDF here.
These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz insurance coverage, please see the General Conditions of the N26 You, Business You or N26 Metal account.
FAQ
Are there Minimum Usage Requirements?
None to speak of. Since February 2018 you don’t need to make a minimum number of transactions and there aren’t any fees related to how often you use the account.
Is there a time commitment for your N26 account?
If you open a free N26 account or N26 Business account, there is no commitment on how long you need to keep your account open. If you open a N26 You, N26 Metal, or N26 Business You account you commit to having the account for 12 months.
How many free withdrawals can I make in a month?
You can withdraw euros at any ATM up to 3, 5 or 8 times a month for free depending on if you have a N26, N26 You or N26 Metal account. If you have the free N26 account and you receive your payroll in it, then you can withdraw up to 5 times a month without commissions. After the 5th withdrawal, there is a €2 fee for each extra one.
Can I withdraw money abroad?
Yes, of course. With your N26 You or N26 Metal card, you can withdraw cash for free in any currency, as many times as you want. If you have a standard N26 account, you can withdraw euros fee-free. If you need cash in a different currency, you’ll pay a low 1.7% fee on the amount withdrawn.
What is included in the Allianz insurance package?
The Allianz insurance policy protects you when traveling and shopping. It comes with mobile phone theft protection (if bought with your N26 card), travel insurance, ATM theft protection, and an extended warranty and purchase protection on qualifying goods.
You: TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9,90/month. The settlement of the account is made monthly.
Metal: TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16,90/month. The settlement of the account is made monthly.