N26 You — take your finances further

The all-in-one plan for banking, saving, investing, and travel.

Designed for effortless exploration

Here’s how You is made to meet your travel needs.
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Fee-free payments worldwide

Pay with your N26 card wherever you are — with no foreign transaction fees.

See instant payments
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Free ATM withdrawals

Get five free domestic withdrawals per month and unlimited free withdrawals in foreign countries.

Learn about withdrawals
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Travel insurance

We’ve got you covered with trip insurance, emergency medical cover, and baggage insurance.

Explore travel insurance

Unpack our travel insurance

Provided by Allianz Assistance, for when the unexpected happens.
Travel delay

Expenses due to delays over two hours are covered up to €500.

Emergency medical

Medical expenses abroad are covered up to €1 million.

Trip cancellation

Cancellation or rebooking fees are covered up to €10,000.

Baggage cover

For baggage damage, loss or theft, up to €2,000 per trip.

Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheetand Conditions for Beneficiaries .

Every cent in its Space

Stay organized with up to 10 Spaces sub-accounts. Save for goals or expenses, and use your virtual or physical card to pay from a Space. Send and receive money directly to your Spaces by assigning them a unique IBAN — perfect for direct debits or repeat transfers.
Show me N26 Spaces

Grow your money with us

Save at 1.5% interest p.a.* with no deposit limits,** and dip into your savings whenever you need.
Explore Instant Savings

Free trades every month

Explore the possibilities of investing with flexible investment plans and five free monthly trades in stocks and ETFs with N26 You.***
Discover Stocks & ETFs
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*N26 Instant Savings account interest rates are based on your main N26 Membership: 1.3% p.a. for Standard and Smart, 1.5% for You, and 2.5% p.a. for Metal (before taxes), as of 8.11.2024. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). Please note that rates per membership are variable and can be changed by N26 over time. **The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ***These statements do not constitute investment advice or any other advice on financial services, financial instruments such as ETFs. They are intended to provide general information. These statements also do not constitute an offer to conclude a contract for the purchase or sale of ETFs. ETFs can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes.


    N26 You is a paid bank account that comes with a colorful Mastercard debit card, travel insurance benefits that covers trip and baggage delays as well as baggage loss, and free foreign currency ATM withdrawals worldwide. In addition to your free physical Mastercard, you also receive up to six virtual cards that you can use for easy, contactless payments worldwide. Budget and save with up to 10 Spaces sub-accounts, including Shared Spaces to save and spend with others. You can link a virtual card to a Space to pay directly from it, or use its IBAN to set up direct debit payments. With N26 You, you can also have a fully flexible Instant Savings account to grow your money and access it whenever you want to. You can also build your investment portfolio with crypto, and invest in stocks and ETFs with five free monthly trades, right in your N26 app. See terms and conditions for full details and availability.

    You can open an N26 You account via the N26 app on your smartphone or our website. 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 that you’re resident in. Find further information here.

    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 on your compatible smartphone. Opening an account takes only a few 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.

    An N26 You bank account costs €9.90 per month.

    N26 You is a bank account with travel insurance benefits provided by Allianz Assistance. This versatile package of insurance includes coverage for travel and baggage delays, baggage loss, and medical coverage in case of emergencies abroad.

    We don’t charge an exchange rate fee if you pay with your Mastercard debit card or withdraw cash in a foreign currency. With N26 You, you have a truly international card in your wallet.

    N26 You is a personal account, not to be used for business purposes. 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 an N26 You customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings, 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 Space, 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. You can also link a virtual or physical card to a Space to make payments directly from it. 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.

    N26 You, our international bank account, offers numerous travel benefits and premium features. With this account, you’ll benefit from a comprehensive travel insurance package from Allianz, fee-free withdrawals and payments abroad, and a debit Mastercard travel card in one of five stylish colors. You’ll also get access to innovative saving and budgeting features to easily and automatically set money aside for the goals that matter to you most. And because N26 You is 100% mobile, you’ll always have your bank in your pocket — wherever you go.

    To find out more about the insurance benefits associated with your N26 You account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. Trip Cancellation
    Which events are covered?
    • Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
    • Individual quarantine and other events listed in the collective insurance agreement
    • What will be reimbursed?
    • Cancellation fees up to €10,000 per trip for trip cancellation
    Travel Interruption
    Which events are covered?
    Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
    • Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
    • What will be reimbursed?
    • Prorated costs of the covered travel services booked but unused at the destination up to €10,000 per trip
    • Necessary transportation expenses to continue the trip or return home
    • Additional accommodation/ transportation expenses if prolongation of the trip is necessary up to €100/day/per trip for a max. of three days
    Travel Delay
    Which events are covered?
    • Trip delayed due to covered reasons by at least two hours. What will be reimbursed?
    • Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip
    Baggage and Baggage Delay
    Which events are covered?
    • Reimbursement in case of damage, theft or loss of items
    • Reimbursement for essential items purchased if luggage is delayed by more than four hours What will be reimbursed? Baggage: Up to €2,000 per trip Baggage delay: Up to €500 per trip
    Identification Document Coverage
    Which events are covered?
    • Reimbursement in case of damage, theft or loss of travel documents
    What will be reimbursed?
    • Necessary costs for emergency replacement identification document up to €500 per trip
    Emergency medical/dental benefits abroad & Emergency transportation
    Which events are covered?
    • Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
    What will be reimbursed?
    • Reimbursement of medical expenses abroad
    • Costs for emergency transportation and medically advisable and justifiable medical repatriation Max. amount covered:
    • For medical emergency treatment: up to €1,000,000 per trip
    • For dental emergency treatment: up to €250 per trip
    • For medical repatriation up to the actual cost for search, rescue and recovery: up to €2,300 per trip
    Personal Liability
    What will be reimbursed?
    • Costs payable to a third party following damage or injury. Max. amount covered: up to €500,000 per trip

    To find out more about the insurance benefits associated with your N26 You account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. - General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.
    • Events occurring outside the validity dates indicated in the conditions for beneficiaries.
    • Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
    • Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
    • Damage of any kind caused intentionally by the beneficiary or with their complicity.
    • An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
    • Systemic (non-individual) epidemic/pandemic events.
    • Claims arising due to pre-existing medical conditions.
    • Violation of international sanctions, laws, or regulations.
    • The policy deductible that is applicable to claims made under some benefit sections.
    • Financial limits apply to each benefit section.
    • There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.

    Please consult the respective Section of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations. Main exclusions
    • War (declared or undeclared) or acts of war
    • Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
    • Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
    • Intentional self-harm or attempt of suicide.
    • Unstabilized illnesses or injuries that were diagnosed or treated.
    • An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description.
    • Local health situations, pollution, weather or climate events.
    • Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description.
    • Expenses incurred without the prior agreement of our assistance department.
    • The cost of treatment or care not resulting from a medical emergency.
    • The consumption of alcohol or drugs not medically prescribed.
    • Participation in a professional or dangerous sport.
    Main restriction
    • Trip cancellation: deductible: €20 per beneficiary.

Tier pages - Allianz Desktop 1080x70px. You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 You features comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.