Risk indicator for all N26 accounts.


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

N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder 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.

N26 You Timeline Feature in App.
Colourful N26 You cards on a table.

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.

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

With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:

  • 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

N26 Metal customers enjoy our highest interest rate: 4% NIR (3,8% AER)** It’s yet another benefit of our most premium bank account.

Start saving now

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!

Sub-accounts concept.

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.

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.

N26 Premium Partners.

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

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
A hand holding a credit card.

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)

Hand holding an N26 rhubarb card and in the background the N26 app.

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
Customer Support screen.
N26 You card, Petrol.

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.

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

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes).

**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

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.