Bank better abroad

The card that travels with you

  • Best currency exchange
  • No fees on payments worldwide
  • No conditions
  • 24/7 customer service
Open an N26 account
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Travel the easy way with N26

From the Tower of London to the Greek isles — N26 is the bank account that travels with you. Manage your finances from anywhere, save on fees, and enjoy peace of mind — all thanks to smart digital banking.
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Free card payments worldwide

Pay using your Mastercard anywhere in the world—for free. We don’t charge foreign transaction fees. Whether it’s Dollars or Mexican pesos, it’s all the same to us.

Customer Support — wherever you are

Need assistance? Simply contact our Customer Support 7 days a week via LiveChat. Whether you're by the sea, in the mountains or in the office, we're always at your side.

Real-time banking

Get instant push notifications for each foreign currency transaction to keep a pulse on your vacation spending. Plus, we'll help you stay in budget by instantly converting your foreign payments into euros.

Pack your bags, and take off

There’s no need to warn us. Lock and unlock your card, activate or deactivate payments abroad from your phone, and set withdrawal limits on-the-go.

N26 Review: Why Every International Traveler Should Bank With N26 ?

"I’ve been using N26 for eight months now, and one particular word comes to mind when describing my experience: smooth. Over the course of these past eight months, I’ve saved nearly $1,000 in foreign exchange and ATM withdrawal fees, shed my bad habit of checking my bank balance daily and finally found financial peace of mind. "
— Jordan Bishop, Forbes (2017)

N26 You — take your finances further

The all-in-one plan for banking, saving, investing, and travel.
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Designed for effortless exploration

Here’s how You is made to meet your travel needs.
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Fee-free payments worldwide

Pay with your N26 card wherever you are — with no foreign transaction fees.
See instant payments
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Free ATM withdrawals

Get five free domestic withdrawals per month and unlimited free withdrawals in foreign countries.
Learn about withdrawals
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Travel insurance

We’ve got you covered with trip insurance, emergency medical cover, and baggage insurance.
Explore travel insurance

Security at N26

N26 has been operating with a full German banking license since 2016, and is governed by the same laws and regulations as any other bank. This means that your funds are protected up to €100,000 by the German Deposit Protection Scheme—and that your money and N26 bank account are secure
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What's next?

1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
Open an N26 account

N26 accounts — your money deserves an upgrade

N26 Standard

The free account for your everyday banking needs

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • Up to 2 free ATM withdrawals in euros

  • Pay worldwide with no foreign transaction fees

  • A virtual Mastercard debit card

  • 0.75% annual gross interest rate* with Instant Savings

  • Free stock and ETF trading

Get N26 Standard

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • A virtual and a physical card

  • 0,75% annual gross interest rate* with Instant Savings

Get N26 Smart

N26 You

The all-in-one account for banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

  • Up to 5 free ATM withdrawals in euros

  • Free ATM withdrawals abroad

  • Travel insurance

  • 1.05% annual gross interest rate* with Instant Savings

Get N26 You
MORE INTEREST

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.

€16.90/month

All benefits of N26 You, Plus

  • 18-gram metal debit card

  • Up to 8 free ATM withdrawals in euros

  • Exclusive mobile phone insurance

  • 2.75% annual gross interest rate* with Instant Savings

Get N26 Metal

*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. Instant Savings’s deposits earn interest at an annual gross nominal rate of 2.75% which is currently aligned with the European Central Bank deposit facility rate. This interest rate may be subject to change at any time at N26's discretion, regardless of fluctuations in the ECB rate. Interest is taxable and subject to social security contributions. Terms and Conditions of the Instant Savings apply. Reserved for non-Business customers of N26 Bank SE, Succursale France. For existing customers: Deposits into N26 Instant Savings accounts earn interest at an annual gross nominal rate of 2.25% with N26 Metal, 1.05% with N26 You, and 0.75% with N26 Smart and N26 Standard (as of 05.02.2025). These may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank SE, Succursale France. The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.