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.


This number is indicative of the risk of the product, being 1/6 indicative on lower risk and 6/6 of higher risk.

Five N26 You cards floating in the air

N26 You

The bank account with travel insurance* and your choice of card color.

* This insurance package is not available in the UK. Click here to be redirected the UK site.

Banking, personalized.

Choose your contactless Mastercard from five colors – Ocean, Sand, Rhubarb, Aqua and Slate – and get an extensive package of home and travel insurance* and free ATM withdrawals abroad.

N26 You card, PetrolN26 You card, WheatN26 You card, RhubarbN26 You card, TealN26 You card, Ash

The account for home and travel

Travel lighter and enjoy the freedom of knowing you’re covered to get up and go, thanks to a premium bank account with travel insurance* and extended warranty on select purchases.

N26 You Timeline Feature in App
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background

Free ATM withdrawals worldwide

Forget foreign transaction fees. Withdraw cash for free in any currency from ATMs around the world and pay using your N26 You Mastercard online and in stores with zero fees or markups.

An extensive insurance package*

Flight & luggage delay cover

Unexpected setbacks are never fun, but N26 You has you covered if your flight or luggage is delayed by more than 4 hours.

Foreign medical expenses

Your medical expenses are covered in case of acute medical emergencies abroad, plus you'll have access to 24/7 medical phone assistance.

Theft insurance

Don’t let bad luck ruin your trip. With N26 You, you’re covered in case of mobile phone theft, or if you’re mugged soon after withdrawing cash.

Extended goods warranty

Extend the warranty of qualifying items purchased using your N26 You account by one year, for extra peace of mind.

Exclusive partner discounts you can make use of

You bank account comes with exclusive partner offers and hand-picked discounts from brand names like GetYourGuide and WeWork, all carefully curated with you in mind.

Partner Offerings
N26 You exclusive partner benefits
Shared Spaces Overview 700x700 (All)

Extra Spaces for you

Sometimes more is more, especially when it comes to organizing your money. Your premium membership gives you the freedom to create up to 10 Spaces sub-accounts alongside your main account, for reaching your savings goals. Moreover, soon you’ll be able to invite up to 10 other users to join the same sub-account to manage money together with your friends and family! Look out for Shared Spaces soon in your N26 app.

Shared Spaces
N26 You card, Petrol

Explore the world with N26 You

N26 You offers hassle-free, personal banking experience that’s always by your side, no matter how far you roam.

Frequently asked questions

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.

Allianz Logo

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.


Not available in Greece and Slovenia.