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.
Open N26 You account

Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 You customers get 2.8%* p.a. interest on their savings.  Prefer 4%* p.a.? Choose N26 Metal.
More about the Instant Savings account
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2.8% p.a. interest rate, balance in the main account, and in the savings account.

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.
Open N26 You account
Colourful N26 You cards on a table.

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.

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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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.
N26 Premium Partners.
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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.

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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.

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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.

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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

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.

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
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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***.

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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!

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
Customer Support screen.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.

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.
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Open N26 You account

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?

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. 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.