Risk Indicator corresponding to the bank account N26 You
This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Entity attached to the German Deposit Guarantee Fund. The fund guarantees deposits on money up to 100,000 euros per owner of the European Union and entity.
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!
An account that gives you more, packed with perks
N26 You is a premium bank account, designed to keep up with your lifestyle. You can set up direct debits, transfer money instantly, and pay with your mobile phone whenever you wish. Additionally, enjoy exclusive partner deals and offers, and mobility and travel insurance that covers you anywhere you decide to go.
Extensive travel benefits, including COVID-19 coverage
Going abroad for necessary trips? Prepare for the unexpected with N26 You. Your membership is packed with travel benefits that cover you worldwide, including epidemic and pandemic coverage* for claims related to COVID-19. Stay protected while on-the-go during uncertain times—we’ve got you covered.
*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.Read more
Emergency medical coverage
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 dental insurance.
Luggage loss and delay insurance
If your luggage is held up or goes missing, claim compensation to make sure you never end up stranded without your essentials.
Flight delay compensation
You will receive financial compensation if your flight is delayed by more than 4 hours.
Trip curtailment or cancellation coverage
Don’t let bad luck ruin your trip. If you can’t make it to the airport, N26 You’s trip curtailment and cancellation insurance has you covered.
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.Discover Spaces
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.
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
Go further with mobility insurance
Stay insured while traveling, but also as you go about your day-to-day. The mobility insurance included with N26 You protects you when you're out and about in your own city, so you can enjoy that extra peace of mind all year round.
Winter sports emergency cover
Looking forward to winter so you can hit the slopes? Rest assured you’re covered when you go skiing or snowboarding: the winter sports insurance included in your plan will cover you in case something goes wrong.
Enjoy bike, scooter and car sharing insurance*
If you use shared vehicles to get around town, this is for you: N26 You includes cover for car shares, bike and scooter hires, so you can get from A to B without the worry.
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)
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.Go to Support Center
What are the benefits of an N26 You account?
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.
How do I open an N26 You bank account?
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.
What do I need to open an N26 You bank account?
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.
Is the N26 You Mastercard a debit card or credit card?
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.
How do I receive my debit card?
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.
How much does the N26 You bank account cost?
An N26 You bank account costs €9.90 per month.
What kind of travel insurance does N26 You offer?
N26 You comes with an extensive insurance package, provided by Allianz. This covers flight and luggage delays, and includes emergency medical coverage abroad(including dental and winter sports insurance) and insurance on shared cars, scooters or bikes, and much more.
How to open a free N26 bank account?
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.
What does the pandemic coverage include?
If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and coverage for canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.
Do you charge foreign transaction fees?
We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.
What are the differences between the N26 You bank account and N26 Business You bank account?
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.
Can I manage payments and receive incoming funds from public institutions with my N26 account?
N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.
We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.
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.
*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.