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.

Enjoy sub-accounts for better saving

Your premium membership lets you create up to 10 Spaces sub-accounts—which sit alongside your main account—helping you organize your finances, and reach your savings goals. As a premium customer, invite up to 10 other N26 users to join your space for an easier way to budget and save up together with family and friends. Just create a space, name it whatever fits best—“Dad’s birthday gift” or “Weekend away,” for example—and drag and drop funds into it whenever you want.

Explore sub-accounts
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.

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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.

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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.

Go to 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?

How do I open an N26 You bank account?

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

Is the N26 You Mastercard a debit or credit card?

How do I get a debit card?

How much does the N26 You bank account cost?

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

What does the pandemic coverage include?

Do you charge foreign transaction fees?

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

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.