Cashback that’s worth the trip
Get N26 Go or Metal by Oct 15 to earn 1% back on travel spend outside your country of residence. After 30 days, earn 1% back with your card outside the EEA, UK, and Switzerland — for up to one year.*
Your wallet deserves a holiday, too
Pay with your N26 card wherever you go — with the best exchange rates. Upgrade to N26 Go or Metal for free ATM withdrawals abroad.**
Travel insurance you can bank on
With N26 Go and Metal, get insurance coverage for travel delays, medical emergencies, baggage, and trip cancellations.
Your ticket to the lounge
Travel stress-free with access to 1,300+ airport lounges worldwide.*** Your first visit is free with N26 Metal.
Travel the world with one eSIM
Set up your travel eSIM once and get affordable data for 100+ destinations.****
Trusted banking on the go
Stay in control wherever you go with a card you can lock instantly in the app, customizable security settings, and 24/7 chat support.
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
Benefits vary by plan.
*Eligible spending: Detailed T&Cs for customers who open an account between July 17 and October 15 can be found here: https://n26.com/hb-tc. Detailed T&Cs for customers who sign up before July 17 can be found here: https://n26.com/hb-ex.
For new customers: Eligible transactions include e-commerce transactions classified under travel-related Merchant Category Codes (MCCs) by the merchant’s payment processor. N26 does not control these codes, and some travel-related merchants may not qualify. Also included are point-of-sale, in-person transactions outside the customer’s country of residence during the first 30 days after signing up for the promotion. New customers have until October 15, 2025, to open an N26 Go or N26 Metal account and until October 31, 2025, to sign up for the promotion. Cashback (1%) will be credited to your main account 30 days after the promotion ends.After the initial 30 days, new N26 Go and N26 Metal customers will automatically earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area (EEA), UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
For existing customers who signed up before July 17: This offer is exclusive to N26 Go and N26 Metal customers. Customers who downgrade will lose the cashback offer. N26 Go and N26 Metal customers will earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area, UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
For new and existing N26 Business customers: The 1% cashback on the eligible transactions mentioned above comes in addition to the regular purchase cashback of 0.1% for N26 Go Business and 0.5% for N26 Metal Business. Cashback will be credited to your main account every 30 days. N26 reserves the right to end the cashback at any time with a 14-day notice.
**Unlimited free ATM withdrawals in the local currency outside the Eurozone is exclusive to N26 Go and Metal.
***Airport lounge passes are available for purchase in the app.
****eSIM data plans are available for purchase in the app.
FAQ
With N26, you can make free card payments worldwide — as often as you like and with no foreign transaction fees.
Outside of the Eurozone, N26 Go and N26 Metal customers don’t pay foreign exchange fees, while N26 Standard and Smart customers pay a 1.7% foreign currency fee on withdrawals. Within the Eurozone, N26 customers do not pay any additional fees.
Yes, your card is protected no matter where you travel. Easily lock and unlock your card in seconds right from your phone, and get instant notifications for every payment, so you can rest assured that your money is safe — even if your card goes missing. Plus, N26 has a full banking license, meaning your deposits are protected up to €100,000.
Yes! All N26 cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. N26 Go and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.
Our premium plans, N26 Go and N26 Metal, offer various insurance packages. These cover events from accidents, to trip delays, cancellations, and baggage insurance. All alongside fee-free card payments, free global ATM withdrawals, and much more.