How to withdraw money from a bank or ATM

In a digital age it is important to know you can still access cash when you need it. And whether it is from your bank, nearest ATM, or in-store cashback—there are plenty of ways to withdraw money.Wherever you are, at home or abroad, withdrawing or depositing physical funds could not be simpler. Discover our guide on how to withdraw money from an ATM or bank near you, and swiftly withdraw euros while you’re on the go.
woman withdrawing money from an atm.

What is a cash withdrawal?

Cash withdrawals electronically convert funds from your bank account, savings, or pension to physical cash in hand. Cash deposits work exactly the same way, only in reverse—physical money is deposited and digitally added back into the linked account.

Withdrawing cash from the bank

If you visit a branch of your bank, a representative will handle your transaction in person. Take your debit card, or a form of ID and your account details, and they can process the withdrawal for you, as long as you have enough funds.

Withdrawing cash via cashback

You can withdraw money at many retail stores when making a debit card purchase—the requested amount is added to your bill total, then given to you in cash. You’ll later see the withdrawal in your account statement.

Withdrawing cash using an ATM

Automated teller machines (ATMs) link your debit card to your checking account, giving you full access to your funds. As most machines accept all cards, you can most likely use any ATM, no matter who you bank with.

Withdraw cash with N26

Open an N26 account in minutes and you will receive a free virtual N26 debit Mastercard with free cash withdrawals each month at select ATMs. Better still, our premium You and Metal accounts include unlimited free foreign currency withdrawals, anywhere in the world

How to withdraw money from an ATM

Making an ATM withdrawal couldn’t be easier.
  1. Just insert your physical card or scan your virtual one over the reader, select the language option, and enter your 4-digit PIN number.
  2. Once the PIN is approved, select ‘withdrawal’ for transaction type, and enter the amount you want to withdraw.
  3. Finally, collect your cash (and receipt if needed) and take back your debit card, if the machine hasn’t returned it already. Transaction complete!
image of an automated teller machine keyboard.

How to withdraw money abroad

How to withdraw money abroad

To withdraw money abroad, simply find a local ATM and complete your withdrawal using your PIN. You can also use CASH26 in selected European countries to withdraw cash at participating stores. Withdrawals in the Eurozone are free for N26 customers, and withdrawals worldwide are free for You and Metal account holders. However, the Terms and Conditions for withdrawals abroad may vary based on your account plan and country, so check your account for details.

Finding an ATM near you

Need the nearest ATM to withdraw money? You can use an online or app-based locator that provides a marked map of all ATMs in your current location. Use our N26 ATM locator feature now, and with one touch of the map symbol on the Cash map you can quickly navigate your way to the nearest ATM.
N26 banking app showing a map with ATM locations near the user.

How to withdraw money without a card

How to withdraw money without a card

As an N26 customer, you can use your virtual Mastercard to withdraw cash from an NFC-enabled ATM with just your smartphone. Simply hold your card up to the reader to complete your transaction. Plus, if you’re in Germany, Austria, Italy, Spain, or Greece, you can use CASH26 to withdraw cash at participating stores—no card required.

Cash withdrawal: limits and amounts

Your cash withdrawal limit varies from bank to bank. Most ATM withdrawal limits are between €200–€300 a day. Always be aware of your bank's withdrawal limit, especially if the money you need exceeds that amount.For N26 customers, the maximum withdrawal limit from an ATM is €1,000 daily for most countries. You can also lower the withdrawal limit in your smartphone app. For swift and easy access to your own cash up to €1,000, choose the right N26 account for you.
N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.

Find a plan for you

N26 Smart

The bank account that gives you more control

N26 You card, Teal.
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  • Free Virtual Card

  • Up to 10 Spaces sub-accounts

  • Support Center phone number

  • Round-ups


N26 You

The debit card for everyday and travel

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.


  • Up to 5 free withdrawals in the Eurozone

  • Flight and luggage delay cover

  • Medical emergency cover

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  • Pandemic coverage

N26 Metal

The premium account with a metal card

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  • An 18-gram metal card

  • Up to 8 free withdrawals in the Eurozone

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  • How do I withdraw money from a bank ATM?
  • What do I need to withdraw money from a bank?
  • What is the cash withdrawal limit for an ATM?
  • How can I find the closest ATM?