Choose your contactless Mastercard from five colors – Ocean, Sand, Rhubarb, Aqua and Slate – and get an extensive package of lifestyle and travel insurance* and free foreign currency ATM withdrawals.
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 a package of lifestyle, mobility and travel insurance*.
Free ATM withdrawals worldwide
Forget foreign transaction fees. Withdraw cash for free in foreign currency from ATMs around the world and pay using your N26 You Mastercard online and in stores with zero fees or markups.
Insurance for travel and mobility*
Emergency medical cover
Families travel together. That’s why the N26 You policy provides cover for you, your spouse and children in case of a medical emergency abroad, with access to 24/7 medical phone assistance.
Cover for loss and delay
If your luggage is held up or goes missing, or if your flight is more than 4 hours delayed, you can claim compensation to make sure you never end up stranded without a toothbrush.
Trip curtailment or cancellation
Don’t let bad luck ruin your trip. If you can’t make it to the airport, N26 You’s trip curtailment and cancellation insurance has you covered.
Car, bike and scooter sharing
If you enjoy using an app to hire transport for your next short trip, N26 You includes cover for car shares, bike and scooter hires, to get you from A to B without the worry.Read more
Exclusive partner discounts you can make use of
You bank account comes with exclusive partner offers and hand-picked discounts from brand names like GetYourGuide and WeWork, all carefully curated with you in mind.
Extra Spaces for you
Sometimes more is more, especially when it comes to organizing your money. Your premium membership gives you the freedom to create up to 10 Spaces sub-accounts alongside your main account, for reaching your savings goals. Moreover, you're now able to invite up to 10 other users to join the same sub-account to manage money together with your friends and family!Shared Spaces
*You are currently looking at the EU (euro-currency) product page for N26 You. Please note that N26 You is not available with insurance in the UK. To be redirected to the UK site, click here.
N26 You is a premium membership bank account with travel insurance and cover for flight, luggage and curtailment delays as well as luggage loss. You’ll also get exclusive partner deals and free foreign currency ATM withdrawals worldwide. See T&C’s below for full details and availability.
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.
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.
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.
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.
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.
Availability: Not available in Slovenia.