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!
Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
A Mastercard debit card to suit your lifestyle
Choose a color for your contactless debit card that fits in with you best: Aqua, Rhubarb, Sand, Ocean, or Slate.
Free trades every month
With N26 You, get 5 free monthly trades for stocks and ETFs. It’s the simple way to invest in your future without having to leave your banking app.
Discover Stocks and ETFs
Emergencies when travelling
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 1.5% AER/NIR* — 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:
- 1.5% AER/NIR* interest calculated daily, paid monthly
- No minimum deposit
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
Start saving now
Send and receive money instantly with Bizum
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.
View partner offers
Get an extra card for when you need it
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.
See list of documents
We're here to answer your questions
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.
Visit our Support Center
Explore the world with N26 You
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.
*1.25% AER (1.25% 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 187.50 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.
2.05% AER (2.25% 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 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, 2025, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.
Frequently asked questions
- You’re at least 18 years old
- You’re a resident of a supported country
- You have a compatible smartphone
- You don’t already have an account with us
N26 You is a premium membership bank account that comes with a colorful debit card, travel insurance and cover for flight, luggage and curtailment delays as well as luggage loss. You’ll also get exclusive partner deals and free foreign currency ATM withdrawals worldwide. See T&C’s for full details and availability.
To open an N26 You account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only a few minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.
For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.
You can open an N26 You account via the N26 app on your smartphone or the web app. You’re eligible if:
Your N26 You Mastercard is a debit card. This means all transactions occur in real-time and are directly debited from your N26 bank account when you make a purchase.
You will receive your N26 Mastercard automatically as soon as you have opened your bank account and verified your identity. Before we send it, we'll ask you to choose one of the 5 available colors: Aqua, Rhubarb, Sand, Ocean, and Slate.
We'll send your N26 You debit card to the shipping address you provided us by standard or express delivery.
An N26 You bank account costs €9.90 per month.
To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone.
Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.
We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.
N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.
Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
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