N26 You
A debit card for everyday and travel
Start earning interest
![Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2% p.a. interest rate, balance in the main account, and in the savings account.](https://images.ctfassets.net/q33z48p65a6w/6Qgk8ghCVWnrQrputsljU1/aa86a16e8dfcab5844085d10945a61e4/CRST3916_Instant_Savings_Interest_Rate_Change_Web_Account_LP_You_textmedia_background_1400x1050_AT_EN.png?fit=thumb&fm=png&q=80&w=360)
A Mastercard debit in a choice of colors
![Colourful N26 You cards on a table.](https://images.ctfassets.net/q33z48p65a6w/6gzTqrAk7vQsoVbDJpcEeB/742613babcdd3bb5b35535ab00304931/0720_N26You_LandingPage_ColorfulMastercard_1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
Manage your money with Spaces sub-accounts
![Sub-accounts concept.](https://images.ctfassets.net/q33z48p65a6w/CXDRQ1EGBYZPLnazsPMLn/9e606d2bc81ca91929887f5ea2af6fd3/0720_N26You_LandingPage_SubAccounts__1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
Need an extra card? No problem.
Take it further with N26 Perks
![N26 Premium Partners.](https://images.ctfassets.net/q33z48p65a6w/41AasI8tLHGHw9Qh4Cm74G/cacae360912a6adf3bce31de53cbc5da/0720_N26You_LandingPage_Partnerships__1000x700.jpg?fit=thumb&fl=progressive&fm=jpg&q=80&w=360)
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
N26 Metal – the new generation premium account
![A hand holding a credit card.](https://images.ctfassets.net/q33z48p65a6w/CEOQsmYcZcCezvnefXBWf/f49b8379e646acd33658a3f97f5dcc18/Metal_hand.png?fit=thumb&fm=png&q=80&w=360)
Emergencies when travelling
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!
![Customer Support screen.](https://images.ctfassets.net/q33z48p65a6w/1N0hdg1oR9faLsWUJ8uzxl/de04cb3934029c163e7977521fca5c1b/2003_Support-Chat_ENEU_700x700.png?fit=thumb&fm=png&q=80&w=360)
![N26 You card, Petrol.](https://images.ctfassets.net/q33z48p65a6w/63bHYeBzGel7qMrWS50qal/643862fbfbd72ca876f384d5ad0944c6/n26-cards-mastercard-petrol-de.png?fit=thumb&fm=png&q=90&w=350)
![N26 You card, Wheat.](https://images.ctfassets.net/q33z48p65a6w/1YbcSNwYlw3Iyr5X829IyL/93601386f27bc5f9f48fc7f9f64c9ff8/n26-cards-mastercard-wheat-de.png?fit=thumb&fm=png&q=90&w=350)
![N26 You card, Rhubarb.](https://images.ctfassets.net/q33z48p65a6w/7oZQg0OqfYNupp1lv9g5Cj/e3494d100fd0331940f1b4d5a12de668/n26-cards-mastercard-rhubarb-de.png?fit=thumb&fm=png&q=90&w=350)
![N26 You card, Ash.](https://images.ctfassets.net/q33z48p65a6w/WRQclrxOxjtVThiH3pm2H/9d0f83f0df7fac785b98e34f84e29c0d/n26-cards-mastercard-raven-de.png?fit=thumb&fm=png&q=90&w=350)
The world is at your fingertips
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?
- Do you charge foreign transaction fees?
- What are the differences between the N26 You bank account and N26 Business You bank account?
- What are Spaces sub-accounts, and how can I use them?
![Allianz Logo - Updated June 2020.](http://images.ctfassets.net/q33z48p65a6w/3tPTf9bIUE0KEQAW0iKKQ6/f09dcfad06587a3a090b1ffb09160f65/Allianz_Assistance_CMYK_Print.png?fit=thumb&fm=png&q=80&w=320)