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.
N26 You
A debit card for everyday and travel
A premium account for your daily needs and travel abroad—without the hidden fees. Open your bank account, and get an N26 debit card in your choice of color. test!
The N26 You policy provides cover for you, your spouse and children in case of a medical emergency while traveling, with access to 24/7 medical phone assistance. This includes emergency dental insurance.
Baggage coverage and delay insurance
Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.
Travel delay and cancellation
We understand what it's like when when business trips don't go according to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
Grow your savings by 2% NIR/AER* — only with N26
With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need.
Join N26 and start growing your savings:
Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!
Plan your savings with Spaces
Create up to 10 Spaces sub-accounts alongside your main account, helping you organize your finances and reach your savings goals. As a premium customer, you can even invite up to 10 other N26 users to join your space to easily manage your money together or split common expenses. Simply create a space, name it whatever you want—“Tom’s Birthday” or “Winter Holiday,” for example—and start putting funds aside.
Make ATM withdrawals worldwide, with no transaction fees
Forget transaction fees when traveling. With N26 You, you can withdraw cash for free from ATMs anywhere in the world, and use your N26 You debit card to pay online or in stores in any currency. You’ll also benefit from the Mastercard exchange rate, without any markups.
Emergencies when travelling
Travel medical insurance up to €1,000,000 for you, your partner and kids in case of emergencies, including dental and winter sports***.
Personal liability while traveling
Coverage up to €500,000 for Travel Liability in case you’re legally liable for damage to a third party or their property during a trip.
Offers and discounts from our partners
Your N26 You premium plan comes with exclusive offers and discounts from brands like GetYourGuide and Hotels.com, all carefully curated with you and your personal lifestyle in mind.
Want more from your bank account? Go premium with N26 Metal and get an exclusive metal card, additional benefits and extra peace of mind while on-the-go. Enjoy free withdrawals worldwide, zero foreign transaction fees in any currency, special partner offers, and extensive travel and lifestyle insurance.
Ever lost your card and had to wait days for the new one to arrive? To make your day-to-day a little bit easier, N26 You allows you to order an additional debit card to use with your personal account. This way, you’ll always have access to your cash, even when the unexpected happens. (Available in Germany, Spain, Italy and Austria)
Find out what documents you need to open your N26 account
We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.
Need urgent support right away? Our Customer Service is always on hand to help. Reach our specialists directly via the chat in the N26 mobile app or the website, or visit the Support Center to quickly find the answer to your question.
Sign up for your N26 You premium plan for €9.90 per month, and get a shiny Mastercard debit card in the color of your choice. Manage your money wherever and however you like, with no hidden fees. Your bank account also includes an extensive insurance package for home and abroad.
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.*2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com**2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit.
Frequently asked questions
What are the benefits of an N26 You account?
How do I open an N26 You bank account?
What do I need to open an N26 You bank account?
Is the N26 You Mastercard a debit card or credit card?
How do I receive my debit card?
How much does the N26 You bank account cost?
How to open a free N26 bank account?
Do you charge foreign transaction fees?
What are the differences between the N26 You bank account and N26 Business You bank account?
Can I manage payments and receive incoming funds from public institutions with my N26 account?
Banking should fit around your life, not the other way around—this is how we do it.
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.*2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com**2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit.
***Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C.S.A - Dutch branch) one of Europe's most trusted insurance companies.Mastercard offers a range of complimentary privileges as part of your N26 You World card status. Every N26 You card holder is automatically entitled to enjoy these benefits, tailored to the needs of frequent travelers and globe-trotters.If you are planning your next trip, also make sure to check out the Mastercard Priceless Cities* for exclusive events and recommendations. You only need your Mastercard to discover the most beautiful cities in the world, and your new experiences can begin.
