A debit card for everyday and travel

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 8 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:

• 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

You will also need to provide a supported ID document, applicable to the country you’re resident in. Find further information here.

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.