The legal entity offering the promotion (hereinafter: ‘N26’) is the N26 entity identified below that has a contractual relationship with the eligible customer, as applicable:

• N26 Bank SE, located at Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B.

• N26 Bank AG, Sucursal en España, located Calle de Don Ramón de la Cruz, 84, 28006 Madrid, Espagne, registered in Madrid n° Section 8 No. 675425 - Succursale in Spain of N26 Bank SE.

• N26 Bank SE, French Branch, located 17-21 rue Saint-Fiacre, 75002 Paris, France, registered in the Paris Trade and Companies Register under No. 840 460 943 - French branch of N26 Bank SE.

The promotion is available to existing N26 Go and Metal customers (Personal and Business accounts) with their residence in Belgium, Denmark, Estonia, Finland, France, Germany, Austria, Greece, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden or Switzerland who signed up either before 17.07.2025 00:00 CEST or after 15.10.2025 00.00 CEST and receive an in-app message, email or push notification by N26, informing them about the promotion and their eligibility (hereinafter: ‘eligible customer’).

The eligible customer can participate in the promotion by clicking on the in-app message, email or push notification informing them about their eligibility and clicking ‘Enrol’ on the in-app landing page for the promotion. Enrollment in this promotion is available until 30.01.2027 23h59 CEST. Eligible customers who have not successfully enrolled in the promotion by this date will not be entitled to participate in the promotion, unless expressly stated otherwise by N26.

From the moment of successful enrollment, customers will receive 1% cashback for a maximum of 12 months on the following qualifying transactions made with their N26 Mastercard  (‘Qualifying Transaction’).

Update: For customers who have already successfully enrolled in the promotion and whose current cashback promotion ends between 21.07.2026 00h00 CEST and 30.01.2027 23:59 CEST, the promotion period is extended automatically until 31.01.2027 23:59 CEST. No new enrollment is required. For customers whose current cashback promotion ends between 17.07.2026 10h00 CEST and 20.07.2026 23h59 CEST, the promotion period can be extended until 31.01.2027 23:59 CEST. These customers need to re-enroll in the campaign by clicking ‘Enrol’ on the in-app landing page to benefit from the extension.

‘Qualifying Transaction’ are defined as: all point-of-sale (POS) transactions conducted outside the European Economic Area (EEA), Switzerland and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway.

For the purpose of this promotion, ‘POS’ transactions refer to in-person payments made at physical merchant locations using the customer’s N26 Mastercard Debit card or Maestro Debit card (physical card or mobile wallet) via a point-of-sale terminal. ATM withdrawals, transactions to credit accounts (e.g. account top-ups at other banks), betting and casino gambling transactions, cash-like (quasi-cash) transactions such as money or cryptocurrency purchases do not classify as a Qualifying Transaction and are expressly excluded. 

The reimbursement will be credited to the eligible customer’s N26 bank account (main account) every 35 days after enrollment.

As the eligible customers are N26 Go or Metal customers, they have to regularly pay their periodic membership fees. N26 reserves the right to otherwise immediately stop crediting any reimbursements under these T&Cs. If N26 or the eligible customer terminates the N26 Go or Metal membership or N26 current account contract in line with the applicable N26 account T&Cs during the promotion period, the eligible customer loses the right to receive or claim any reimbursement that has not been paid out before the termination date. 

If an eligible customer enrols in the promotion and subsequently downgrades to an ineligible tier (N26 Standard or N26 Smart), they will not be permitted to re-enrol in the promotion upon upgrading to an eligible tier (N26 Go or N26 Metal). However, if the customer had not enrolled in the promotion prior to downgrading, they may enrol after upgrading back to an eligible tier.

N26 reserves the right to terminate this promotion or perform reasonable changes to the promotion at any time with a 14 calendar days notice to the eligible customers. Until such notice is given, the promotion will remain in effect. N26 reserves the right to terminate this promotion or perform reasonable changes to the promotion at any time if it notices any abuse of the promotion or violation of these T&Cs. N26 further reserves the right to stop crediting any reimbursements under these T&Cs, if N26 customers undertake to misuse the promotion.

The promotion will be subject to the legislation of the country that the N26 entity that the eligible customer has contracted with has its legal seat. Customers with their residence in Spain need to have their tax residency in Spain and provide a valid Spanish Tax ID to be eligible.

The official language of these T&Cs is the contract language of the current account contract between N26 and the eligible customer (hereinafter: the ‘official language’). Any translation must be considered as a courtesy translation. In case of any discrepancies between the official language of these T&Cs and any courtesy translation, the official language version will prevail.

Privacy Notice

When you enter the promotion, N26 as controller processes certain personal data of you. You can find information about how N26 processes your personal data in our Privacy Policy which can be accessed at any time via the N26 apps or the N26 website.

N26 Travel Promotion T&Cs 

Italian Market only

The legal entity offering the promotion (hereinafter: ‘N26’) is the N26 entity identified below that has a contractual relationship with the eligible customer, as applicable:

• N26 Bank SE, located at Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B.

• N26 Bank AG, Sucursal en España, located Calle de Don Ramón de la Cruz, 84, 28006 Madrid, Espagne, registered in Madrid n° Section 8 No. 675425 - Succursale in Spain of N26 Bank SE.

• N26 Bank SE, French Branch, located 17-21 rue Saint-Fiacre, 75002 Paris, France, registered in the Paris Trade and Companies Register under No. 840 460 943 - French branch of N26 Bank SE.

• N26 Bank SE, Italian Branch, Via Filippo Sassetti, 32, 20124 Milan, Italy, registered at the companies registry of Milan with fiscal code, VAT and registration no. 10429450967 - Italian branch of N26 Bank SE.

The promotion is available to existing N26 Go and Metal customers (Personal and Business accounts) with their residence in Italy who receive an in-app message, email or push notification by N26, informing them about the promotion and their eligibility (hereinafter: ‘eligible customer’).

The eligible customer can participate in the promotion by clicking on the in-app message, email or push notification informing them about their eligibility and clicking ‘Enrol’ on the in-app landing page for the promotion. 

Enrollment in this promotion is available from 28.07.2026 10h00 CEST until 30.01.2027 23h59 CEST. Eligible customers who have not successfully enrolled in the promotion by this date will not be entitled to participate in the promotion, unless expressly stated otherwise by N26.

From the moment of successful enrollment, customers will receive 1% cashback for a maximum of 12 months on the following qualifying transactions made with their N26 Mastercard  (‘Qualifying Transaction’).

‘Qualifying Transaction’ are defined as: all point-of-sale (POS) transactions conducted outside the European Economic Area (EEA), Switzerland and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway.

For the purpose of this promotion, ‘POS’ transactions refer to in-person payments made at physical merchant locations using the customer’s N26 Mastercard Debit card or Maestro Debit card (physical card or mobile wallet) via a point-of-sale terminal. ATM withdrawals, transactions to credit accounts (e.g. account top-ups at other banks), betting and casino gambling transactions, cash-like (quasi-cash) transactions such as money or cryptocurrency purchases do not classify as a Qualifying Transaction and are expressly excluded. 

Failed, cancelled, refunded, reversed or charged-back transactions also do not qualify as Qualifying Transactions.

The reimbursement will be credited to the eligible customer’s N26 bank account (main account) every 35 days after enrollment.

As the eligible customers are N26 Go or Metal customers, they have to regularly pay their periodic membership fees. N26 reserves the right to otherwise immediately stop crediting any reimbursements under these T&Cs. If N26 or the eligible customer terminates the N26 Go or Metal membership or N26 current account contract in line with the applicable N26 account T&Cs during the promotion period, the eligible customer loses the right to receive or claim any reimbursement that has not been paid out before the termination date. Unless expressly stated otherwise by N26, this promotion cannot be combined with other N26 cashback promotions applying to the same transaction.

If an eligible customer enrols in the promotion and subsequently downgrades to an ineligible tier (N26 Standard or N26 Smart), they will not be permitted to re-enrol in the promotion upon upgrading to an eligible tier (N26 Go or N26 Metal). However, if the customer had not enrolled in the promotion prior to downgrading, they may enrol after upgrading back to an eligible tier.

N26 reserves the right to terminate this promotion or perform reasonable changes to the promotion at any time with a 14 calendar days notice to the eligible customers. Until such notice is given, the promotion will remain in effect.

N26 reserves the right to terminate this promotion or perform reasonable changes to the promotion at any time if it notices any abuse of the promotion or violation of these T&Cs. N26 further reserves the right to stop crediting any reimbursements under these T&Cs, if N26 customers undertake to misuse the promotion.

The official language of these T&Cs is the contract language of the current account contract between N26 and the eligible customer (hereinafter: the ‘official language’). Any translation must be considered as a courtesy translation. In case of any discrepancies between the official language of these T&Cs and any courtesy translation, the official language version will prevail.

The contractual and economic conditions applicable to the Account and the associated payment services, including the N26 Mastercard, are set out in the contract and published in the Legal Documents section of the n26.com website. 

Privacy Notice

When you enter the promotion, N26 as controller processes certain personal data of you. You can find information about how N26 processes your personal data in our Privacy Policy which can be accessed at any time via the N26 apps or the N26 website.