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.

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.