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.

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!

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.

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.

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.

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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.

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.

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)

Discover our most premium account

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.

Upgrade to N26 Metal

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.

Frequently asked questions

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.

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.

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.

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.

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.

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.

Allianz Logo - Updated June 2020. *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.