N26 You
A debit card for everyday and travel
An account that gives you more, packed with perks
![N26 You Timeline Feature in App.](https://images.ctfassets.net/q33z48p65a6w/1qYgrVQrxjLHUcfryaeiBX/cff32fb387090f930c9e7660398bae35/2006_EverydayAccount_EUEN_700x700.png?fit=thumb&fm=png&q=80&w=360)
A Mastercard debit card to suit your lifestyle
![Colourful N26 You cards on a table.](https://images.ctfassets.net/q33z48p65a6w/6gzTqrAk7vQsoVbDJpcEeB/742613babcdd3bb5b35535ab00304931/0720_N26You_LandingPage_ColorfulMastercard_1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
Emergencies when travelling
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 emergency dental insurance.
Baggage coverage and delay insurance
Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.
Travel delay and cancellation
We understand what it's like when when business trips don't go according to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
Grow your savings by 2.26% NIR/AER* — only with N26
- 2.26% NIR/AER* interest calculated daily, paid monthly
- No minimum deposit
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
![](https://images.ctfassets.net/q33z48p65a6w/3eGEaDDzqCDhKl2ADWipdP/f6fa8fdbd5b47362f9169be0578749a7/CRST3716_ES_Metal_Offer_Upgrade_Web_Account_pages_Standard_textmedia_background_1400x1050_EN.png?fit=thumb&fm=png&q=80&w=360)
Send and receive money instantly with Bizum
Plan your savings with Spaces
![Sub-accounts concept.](https://images.ctfassets.net/q33z48p65a6w/CXDRQ1EGBYZPLnazsPMLn/9e606d2bc81ca91929887f5ea2af6fd3/0720_N26You_LandingPage_SubAccounts__1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
Make ATM withdrawals worldwide, with no transaction fees
Emergencies when travelling
Travel medical insurance up to €1,000,000 for you, your partner and kids in case of emergencies, including dental and winter sports***.
Personal liability while traveling
Coverage up to €500,000 for Travel Liability in case you’re legally liable for damage to a third party or their property during a trip.
Offers and discounts from our partners
![N26 Premium Partners.](https://images.ctfassets.net/q33z48p65a6w/41AasI8tLHGHw9Qh4Cm74G/cacae360912a6adf3bce31de53cbc5da/0720_N26You_LandingPage_Partnerships__1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
Get an extra card for when you need it
Find out what documents you need to open your N26 account
![Hand holding an N26 rhubarb card and in the background the N26 app.](https://images.ctfassets.net/q33z48p65a6w/4QUsfdd6LPJTRu4GLuZ8CF/69dd0b4819bb3e87ddc6e194cfccea6c/CRST-1667_TIHIB_Web_Bizum_textmedia_05-centered_rounded_borders_1400x1050_EN.png?fit=thumb&fm=png&q=80&w=360)
We're here to answer your questions
![Customer Support screen.](https://images.ctfassets.net/q33z48p65a6w/1N0hdg1oR9faLsWUJ8uzxl/de04cb3934029c163e7977521fca5c1b/2003_Support-Chat_ENEU_700x700.png?fit=thumb&fm=png&q=80&w=360)
Explore the world with N26 You
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. *2.26% AER (2.26% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 339 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. **3.8% AER (4% annual NIR). With this interest rate, if you maintain a daily balance of 100.000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202,8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 3,797.20 euros. Monthly interest settlement.
Frequently asked questions
- What are the benefits of an N26 You account?
- How do I open an N26 You bank account?
- What do I need to open an N26 You bank account?
- Is the N26 You Mastercard a debit card or credit card?
- How do I receive my debit card?
- How much does the N26 You bank account cost?
- How to open a free N26 bank account?
- Do you charge foreign transaction fees?
- What are the differences between the N26 You bank account and N26 Business You bank account?
- Can I manage payments and receive incoming funds from public institutions with my N26 account?
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