Bank like a local, anywhere

Make free ATM withdrawals worldwide, use your card with no foreign transaction fees, and enjoy insurance coverage with N26 You and Metal.Open Bank Account
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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.

Get cashback on travel spending

Use your N26 card to spend at least €250 on hotels, flights, and more within 30 days and get €50 cashback. Sign up by June 15*.
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A person holding a smartphone showing a vacation budget of €2,100.78 next to a red bank card and a €100 cashback offer.

*Sign up by June 15. Spend €250 on travel within 30 days with your N26 card and get €50 in cashback. Eligibility is based on the MCC (Merchant Category Code) assigned by the merchant’s payment processor. We do not control these codes, and some travel-related merchants may not qualify. Detailed T&Cs can be found here: https://n26.com/stb-tc.

Fee-free payments worldwide

Pay with your N26 card wherever you go — with no foreign transaction fees.
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Travel insurance you can bank on

With N26 You and Metal, get insurance coverage for travel delays, medical emergencies, baggage, and trip cancellations.
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Trusted banking on the go

Stay in control wherever you go with a card you can lock instantly in the app, customizable security settings, and 24/7 chat support.
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Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
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Tier pages - Allianz Desktop 1080x70px. You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the  Conditions for Beneficiaries for N26 Metal and N26 You. N26 You features insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.

FAQ

    You have until June 15 to sign up and accept the terms and conditions. From then you’ll have 30 days to reach the €250 spend minimum to be eligible for the €50 cashback.

    We’ll pay your cashback directly to your N26 account 3 weeks after the campaign ends.

    Qualifying transactions include card payments for accommodation, modes of transport, travel agents, tour operators, and booking platforms. Eligibility is based on the MCC (Merchant Category Code) assigned by the merchant’s payment processor. We do not control these codes, and some travel-related merchants may not qualify. Detailed T&Cs can be found here: https://n26.com/stb-tc.

    This offer is for anyone who banks with N26, regardless of their plan. You just need to sign up and agree to the T&Cs in the app.

    To find out more about the insurance benefits associated with your N26 You account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.
    • Events occurring outside the validity dates indicated in the conditions for beneficiaries.
    • Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
    • Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
    • Damage of any kind caused intentionally by the beneficiary or with their complicity.
    • An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
    • Systemic (non-individual) epidemic/pandemic events.
    • Claims arising due to pre-existing medical conditions.
    • Violation of international sanctions, laws, or regulations.
    • The policy deductible that is applicable to claims made under some benefit sections.
    • Financial limits apply to each benefit section.
    • There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.

    With N26, you can make free card payments worldwide — as often as you like and with no foreign transaction fees.

    No matter which N26 plan you have, enjoy unlimited card payments in any currency, with no foreign transaction fees.

    Yes, your card is protected no matter where you travel. Easily lock and unlock your card in seconds right from your phone, and get instant notifications for every payment, so you can rest assured that your money is safe — even if your card goes missing. Plus, N26 has a full banking license, meaning your deposits are protected up to €100,000.

    Yes! All N26 cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. N26 You and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.

    Our premium plans, N26 You and N26 Metal, offer various insurance packages. These cover events from accidents, to trip delays, cancellations, and baggage insurance. All alongside fee-free card payments, free global ATM withdrawals, and much more.