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 Metal
The most premium bank account with exclusive benefits and a metal Mastercard
Your Mastercard debit
A virtual debit card
Accepted worldwide
Pay with a virtual card on your phone, or get a physical card for a €10 delivery fee
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
A colorful debit card
Accepted worldwide
Choose from 5 card colors that best fit your style
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
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
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
Unlock this feature with N26 Smart, You or Metal
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 card to use with your personal account, for a one off fee
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
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
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
Free payments worldwide
In any currency
Enjoy free and unlimited payments in any currency, wherever you are
Up to 3 free ATM withdrawals
In the Eurozone
Enjoy up to 3 free withdrawals per month
Up to 5 free ATM withdrawals
In the Eurozone
Enjoy up to 5 free withdrawals per month
Up to 8 free ATM withdrawals
In the Eurozone
Enjoy up to 8 free withdrawals per month
Up to 5 free ATM withdrawals
In the Eurozone
Enjoy up to 5 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
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
Unlock this feature with N26 You or Metal
Travel medical insurance
In case of emergency
Not included
Unlock this feature with N26 You or Metal
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 cancellation
Not included
Unlock this feature with N26 You or Metal
Trip insurance
In case of cancellation
Not included
Unlock this feature with N26 You or Metal
Trip insurance
In case of cancellations
Up to €10,000 compensation in case of trip cancelation or curtailment if the event is covered
Trip insurance
In case of cancellations
Up to €10,000 compensation in case of trip cancelation or curtailment if the event is covered
Pandemic travel coverage
in case of COVID-19
Not included
Unlock this feature with N26 You or Metal
Pandemic travel coverage
in case of COVID-19
Not included
Unlock this feature with N26 You or Metal
Pandemic travel coverage
in case of COVID-19
Get covered for medical emergencies and trip cancellation or curtailment due to COVID-19
Pandemic travel coverage
in case of COVID-19
Get covered for medical emergencies and trip cancellation or curtailment due to COVID-19
Flight insurance
In case of delay
Not included
Unlock this feature with N26 You or Metal
Flight insurance
In case of delay
Not included
Unlock this feature with N26 You or Metal
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
Unlock this feature with N26 You or Metal
Luggage coverage
In case of delay or loss
Not included
Unlock this feature with N26 You or Metal
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
Unlock this feature with N26 You or Metal
Mobility insurance
For shared vehicles
Not included
Unlock this feature with N26 You or Metal
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
Unlock this feature with N26 You or Metal
Winter sport insurance
In case of accidents
Not included
Unlock this feature with N26 You or Metal
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
Unlock this feature with N26 Metal
Car rental
Away from home
Not included
Unlock this feature with N26 Metal
Car rental
Away from home
Your rental car hires abroad and further away from home are covered for up to €20,000
Car rental
Away from home
Not included
Unlock this feature with N26 Metal
Phone insurance
For damage and theft
Not included
Unlock this feature with N26 Metal
Phone insurance
For damage and theft
Not included
Unlock this feature with N26 Metal
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
Phone insurance
For damage and theft
Not included
Unlock this feature with N26 Metal
Your premium features
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
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
In-app livechat
with our specialists
You can contact us directly through your N26 app or via the web app, 7 days a week
Phone support
Contact us via phone
Not included
Unlock this feature with N26 Smart, You or Metal
Phone support
via a direct hotline
You can contact us on the phone, 7 days a week
Prioritized phone support
Contact us via phone
You can contact us via phone thanks to a priority line, 7 days a week
Phone support
via a direct hotline
You can contact us on the phone, 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
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
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
Two-factor authentication
For a secure log-in
An additional layer of security to keep your money safe
The most premium bank account with exclusive benefits and a metal Mastercard
Smart: TIN 0%, APR: -1.17% 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 €4,90/month. The settlement of the account is made monthly.
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.
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 Smart, You, Metal account, or N26 Business Smart, You or Metal 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 Smart, 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.
Can I manage payments and receive incoming funds from public institutions with my N26 account?
N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.
We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.
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.