N26 You

A debit card for everyday and travel

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.

Your everyday bank account with insurance

Catering to your daily needs, N26 You is a premium account that lets you make payments via direct debit, SEPA transfer and through your mobile wallet. On top of this, benefit from a practical package of lifestyle, mobility and travel insurance for extra peace of mind while on-the-go.

N26 You Timeline Feature in App.
Colourful N26 You cards on a table.

A Mastercard debit in a choice of colors

Get a contactless debit card in a choice of 5 colors—Ocean, Sand, Rhubarb, Aqua or Slate.

Manage your money with Spaces sub-accounts

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.

Discover Spaces
Sub-accounts concept.
N26 Premium Partners.

Take it further with N26 Perks

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.

Need an extra card? No problem.

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.

Read more

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.

Extensive travel benefits, including COVID-19 coverage

Going abroad for necessary trips? Prepare for the unexpected with N26 You. Your membership is packed with travel benefits that covers you worldwide, including epidemic and pandemic coverage* for claims related to COVID-19. Stay protected while on-the-go during uncertain times—we’ve got you covered.

*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.

Read more
Band-aid plaster - Travel Insurance.

Emergency medical coverage

In case of medical emergencies abroad, N26 You provides cover for you, your spouse and children while traveling, and this also includes dental insurance. What’s more—you’ll get access to 24/7 medical phone assistance if you need to speak to someone.

Luggage loss and delay insurance

Luggage held up or gone missing? Getting stranded without your essentials is a headache, but at least you’ll be able to claim compensation for it.

Flight delay compensation

These days, time is money. And with N26 You, you’ll receive compensation whenever your flight is more than 4 hours delayed.

Trip curtailment or cancellation coverage

Trips don’t always go to plan. So, if you don’t end up boarding your flight, N26 You’s trip curtailment and cancellation insurance has you covered.

Mobility insurance.

Go further with mobility insurance

While it’s important to have insurance while traveling, it’s just as necessary to stay covered in your day-to-day life. Thankfully, N26 You covers you at home too, and includes mobility insurance, so you can enjoy that extra peace of mind.

Winter sports emergency cover

Getting ready to hit the slopes on your skis or snowboard? With N26, rest assured you’re covered in case something doesn’t go to plan on the mountain, all thanks to your account’s winter sports insurance.

Enjoy bike, scooter and car sharing insurance*

If you’re a fan of using an app to hire transport for your next short trip across town, N26 You includes cover for car shares, bike and scooter hires so you can get from A to B without the worry.

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.

Go premium with Metal
A hand holding a credit card.
Customer Support screen.

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.

Visit our Support Center

The world is at your fingertips

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 card, Petrol.

Frequently asked questions

What are the benefits of an N26 You account?

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.

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.

What do I need to open an N26 You bank account?

You can open an N26 You account via the N26 app on your smartphone or the web app. You’re eligible if:

  1. You’re at least 18 years old
  2. You’re a resident of a supported country
  3. You have a compatible smartphone
  4. 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.

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.

How do I get a debit card?

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.

How much does the N26 You bank account cost?

An N26 You bank account costs €9.90 per month.

What kind of travel insurance does the N26 You bank account offer?

N26 You comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, medical cover in case of emergencies abroad (including dental insurance and winter sports insurance), rental of shared cards, scooters or bikes and much more.

What does the pandemic coverage include?

If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.

Do you charge foreign transaction fees?

We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.

What are the differences between the N26 You bank account and N26 Business You bank account?

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.

What are Spaces sub-accounts, and how can I use them?

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.

Allianz Logo - Updated June 2020. *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.