Virtual cards
Virtual, digital and disposable cards—what’s the difference?
The benefits of virtual cards
Leave your wallet at home
Virtual debit and credit cards are secure, simple to use, and save you the inconvenience of having to carry your wallet around.
Stay in control
You can instantly lock—and unlock—your virtual card from your phone at any time.
Manage subscriptions
Use a dedicated virtual card for all your recurring subscriptions, and easily lock it without losing access to your main bank card.
Instant activation
You don’t have to wait for your card to arrive in the mail—start using it from the moment it’s created.
Pay securely—online and in-store
Security you can count on
Instant push notifications
Pair your N26 account to your smartphone and get real-time alerts on all account activity, ensuring that only you have access to your money.
Your money, your settings
Instantly turn on or turn off online payments, ATM withdrawals, payments abroad, and more in your N26 app.
Advanced 3D Secure
Benefit from extra security against fraud, thanks to a two-factor authentication step that protects your online purchases.
Protected up to €100,000
Thanks to our full banking license, the funds in your N26 account are protected up to €100,000 by the German Deposit Protection Scheme.
Get an extra virtual card—for free
Find a plan for you
N26 You
The debit card for everyday and travel
€9.90/month
Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage
N26 Metal
The premium account with a metal card
€16.90/month
An 18-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line
FAQs
- What is a virtual debit card?
- Where can I use a virtual card?
- Are virtual cards safe to use?
- How to get a virtual card with N26?
- What’s the difference between a virtual card and a virtual prepaid debit card?
- What’s the difference between a virtual card and a digital card?
- How many virtual cards can I add to my N26 account?
- How much does the N26 Standard bank account cost?