A premium account for your daily needs and travel abroad—without the hidden fees. Open your bank account, and get an N26 debit card in your choice of color.
No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 You customers get 2%* p.a. interest on their savings. Prefer 3%* p.a.? Choose N26 Metal.
Stay on top of your finances with 10 Spaces sub-accounts, each with its own IBAN. Easily pay bills via direct debit, set up standing orders for recurring payments, send SEPA bank transfers, and receive money—right in each sub-account.Keen to save instead? Instantly put money aside to a space from your main account to avoid spending it, or save together with up to 10 others in a Shared Space. To reach your goals even faster, turn on Round-Ups and save up the spare change whenever you pay by card.
Losing your card and waiting for a new one to arrive is annoying—that’s why keeping a spare makes a lot of sense. Order a second Mastercard to use with your account right in the N26 app, and make sure you always have access to your cash.
Enhancing your day-to-day, your N26 You bank account comes with selected offers and discounts from brand names like GetYourGuide and Hotels.com. Carefully curated with you and your personal lifestyle in mind, these N26 Perks are continuously evolving—just open your app to see what’s currently available to you.
Emergencies when travelling
The N26 You policy provides cover for you, your spouse and children in case of a medical emergency while traveling, with access to 24/7 medical phone assistance. This includes emergency dental insurance.
Baggage coverage and delay insurance
Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.
Travel delay and cancellation
We understand what it's like when when business trips don't go according to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
Fee-free ATM withdrawals, and foreign currency payments
With N26 You, you can wave goodbye to foreign transaction fees. Withdraw cash for free in any currency from ATMs around the globe, and pay using your Mastercard debit online and in stores—no hassle, no hidden fees. You’ll also benefit from the Mastercard exchange rate, without any sneaky markups.
N26 Metal – the new generation premium account
Discover our most premium banking experience with N26 Metal. Get an exclusively-designed stainless steel Mastercard, alongside benefits such as free withdrawals worldwide, a handy package of lifestyle and travel insurance and special partner discounts to suit your lifestyle. Need help? No problem! Our priority Customer Support is always on-hand to help.
Travel medical insurance up to €1,000,000 for you, your partner and kids in case of emergencies, including dental and winter sports***.
Personal liability while traveling
Coverage up to €500,000 for Travel Liability in case you’re legally liable for damage to a third party or their property during a trip.
Customer Support, here to help!
Need urgent support right away? Don’t worry—our Customer Support team is always on hand to help. You can reach our specialists directly via the N26 app, or the WebApp chat, or visit the Support Center to find a quick answer to your question.
For €9.90 per month, open your N26 You account and get a shiny new Mastercard debit card. Make payments at home or abroad without hidden fees, while enjoying an extensive insurance package.
N26 You is a premium membership bank account that comes with a colorful debit card, travel insurance and cover for flight, luggage and curtailment delays as well as luggage loss. You’ll also get exclusive partner deals and free foreign currency ATM withdrawals worldwide. See T&C’s for full details and availability.
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 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.
You can open an N26 You account via the N26 app on your smartphone or the web app. You’re eligible if:
You’re at least 18 years old
You’re a resident of a supported country
You have a compatible smartphone
You don’t already have an account with us
You will also need to provide a supported ID document, applicable to the country you’re resident in.
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.
You’ll automatically receive your N26 Mastercard debit once you have opened your account and that your identity has been verified. You will be first asked to choose the color of your N26 You card, available in 5 colors—Ocean, Sand, Rhubarb, Aqua and Slate.The N26 debit card will then be shipped to your home address with standard or express delivery.
An N26 You bank account costs €9.90 per month.
N26 You comes with an extensive insurance package, provided by Allianz Assistance. This includes coverage for travel and baggage delays, medical cover in case of emergencies abroad and much more.
We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.
N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.
Banking should fit around your life, not the other way around—this is how we do it.
TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9.90/month. The settlement of the account is made monthly.*2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com**2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit.
***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 You 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.
