Virtual cards

A virtual debit card is exactly like a physical debit card, just in digital form. You can use it for online purchases or add it to Apple Pay or Google Pay for secure, contactless in-store purchases.

A virtual debit card can be used just like you would use a physical bank card. In addition to online purchases, you can use a virtual card for contactless payments in stores by adding it to Apple Pay or Google Pay. Some even allow you to withdraw money from ATMs.

All virtual debit cards should be electronically encrypted to protect you from banking fraud. With N26, all our cards are enabled with Mastercard 3D Secure, which verifies your identity with two-factor authentication when making online payments.

To add a virtual card to your N26 account, go to the Cards tab in your N26 app and tap 'Get an additional card'. Select 'Virtual' and tap 'Choose', then agree to the terms and conditions and tap 'Generate virtual card'.

A prepaid debit card is not linked to a bank account. Once you run out of money on the card, you need to top it up with additional funds. In contrast, a virtual card is linked to your bank account and can be used just like a normal debit card.

When a virtual card has the same number as your physical bank card, it’s often referred to as a digital card—because it’s a digital version of your physical card. “Virtual card” usually refers to a card that only exists in digital form and is not linked to any physical card.

All N26 premium accounts let you add a digital version of your physical N26 debit Mastercard to your digital wallet. Premium members can also add a second virtual card to their accounts. Your extra virtual card has its own card number and can be locked without affecting your main card.

The N26 Standard bank account is free of charge—there are no minimum opening deposits, no minimum account balance requirements, and no maintenance fees.