The bank account with travel insurance and your choice of card color.
Choose your contactless Mastercard from five colors – Ocean, Sand, Rhubarb, Aqua and Slate – and get an extensive package of home and travel insurance and free ATM withdrawals abroad.
The account for home and travel
Travel lighter and enjoy the freedom of knowing you’re covered to get up and go, thanks to a premium bank account with travel insurance and extended warranty on select purchases.
Free ATM withdrawals worldwide
Forget foreign transaction fees. Withdraw cash for free in any currency from ATMs around the world and pay using your N26 You Mastercard online and in stores with zero fees or markups.
An extensive insurance package
Flight & luggage delay cover
Unexpected setbacks are never fun, but N26 You has you covered if your flight or luggage is delayed by more than 4 hours.
Foreign medical expenses
Your medical expenses are covered in case of acute medical emergencies abroad, plus you'll have access to 24/7 medical phone assistance.
Don’t let bad luck ruin your trip. With N26 You, you’re covered in case of mobile phone theft, or if you’re mugged soon after withdrawing cash.
Extended goods warranty
Extend the warranty of qualifying items purchased using your N26 You account by one year, for extra peace of mind.
Extra Spaces for you
Sometimes more is more, especially when it comes to organizing your money. Your N26 You membership gives you the freedom to create up to 10 Spaces sub-accounts alongside your main account, for reaching your savings goals.
Frequently asked questions
What are the benefits of an N26 You account?
N26 You is a premium membership bank account with travel insurance and cover for other items such as extended warranty, ATM and mobile theft and flight and luggage delays. You’ll also get exclusive partner deals and free ATM withdrawals worldwide. See T&C’s below 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.
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.
Does the N26 You Mastercard have NFC (contactless) functionality?
Yes—the N26 You Mastercard includes NFC functionality for contactless payments up to €25 without having to enter a PIN. Purchases over €25 need to be confirmed by PIN. No compromising data is submitted during the payment process—only the card number and the card’s expiration date.
How do I start a claim?
Start a claim by going to N26 You in the Control Center of the N26 app. Collect all the necessary documents for each type of claim, as instructed, and contact Allianz Global Assistance Europe at N26warranty.email@example.com, to handle your claim. You also have the option of placing a call directly to Allianz. Allianz's service times are from 8.00 am to 5.00 pm CET on Mondays to Fridays (excluding public holidays). Read the T&C’s below for full details.