N26 You

N26 You

The bank account with travel insurance* and your choice of card color.

* This insurance package is not available in the UK. Click here to be redirected the UK site.

Banking, personalized.

Choose your contactless Mastercard from five colors – Ocean, Sand, Rhubarb, Aqua and Slate – and get an extensive package of home and travel insurance* and free ATM withdrawals abroad.

The account for home and travel

Travel lighter and enjoy the freedom of knowing you’re covered to get up and go, thanks to a premium bank account with travel insurance* and extended warranty on select purchases.

Free ATM withdrawals worldwide

Forget foreign transaction fees. Withdraw cash for free in any currency from ATMs around the world and pay using your N26 You Mastercard online and in stores with zero fees or markups.

An extensive insurance package*

Flight & luggage delay cover

Unexpected setbacks are never fun, but N26 You has you covered if your flight or luggage is delayed by more than 4 hours.

Foreign medical expenses

Your medical expenses are covered in case of acute medical emergencies abroad, plus you'll have access to 24/7 medical phone assistance.

Theft insurance

Don’t let bad luck ruin your trip. With N26 You, you’re covered in case of mobile phone theft, or if you’re mugged soon after withdrawing cash.

Extended goods warranty

Extend the warranty of qualifying items purchased using your N26 You account by one year, for extra peace of mind.

Exclusive partner discounts you can make use of

You bank account comes with exclusive partner offers and hand-picked discounts from brand names like GetYourGuide and WeWork, all carefully curated with you in mind.

Extra Spaces for you

Sometimes more is more, especially when it comes to organizing your money. Your premium membership gives you the freedom to create up to 10 Spaces sub-accounts alongside your main account, for reaching your savings goals. Moreover, soon you’ll be able to invite up to 10 other users to join the same sub-account to manage money together with your friends and family! Look out for Shared Spaces soon in your N26 app.

Shared Spaces
N26 You card, Petrol

Explore the world with N26 You

N26 You offers hassle-free, personal banking experience that’s always by your side, no matter how far you roam.

*You are currently looking at the EU (euro-currency) product page for N26 You. Please note that N26 You is not available with insurance in the UK. To be redirected to the UK site, click here.

Frequently asked questions

What are the benefits of an N26 You account?

N26 You is a premium membership bank account with travel insurance and cover for other items such as extended warranty, ATM and mobile theft and flight and luggage delays. You’ll also get exclusive partner deals and free ATM withdrawals worldwide. See T&C’s below for full details and availability.

How do I open an N26 You bank account?

To open an N26 You account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only 8 minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.

For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.

Is the N26 You Mastercard a debit or credit card?

The N26 You Mastercard is a debit card, which means all transactions occur in real-time and are directly debited from your N26 bank account when you make a purchase.

Does the N26 You Mastercard have NFC (contactless) functionality?

Yes—the N26 You Mastercard includes NFC functionality for contactless payments up to €25 without having to enter a PIN. Purchases over €25 need to be confirmed by PIN. No compromising data is submitted during the payment process—only the card number and the card’s expiration date.

How do I start a claim?

Start a claim by going to N26 You in the Control Center of the N26 app. Collect all the necessary documents for each type of claim, as instructed, and contact Allianz Global Assistance Europe at N26warranty.nl@allianz.com, to handle your claim. You also have the option of placing a call directly to Allianz. Allianz's service times are from 8.00 am to 5.00 pm CET on Mondays to Fridays (excluding public holidays). Read the T&C’s below for full details.

Allianz Logo

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 Black 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.


Not available in Greece and Slovenia.