Man and woman sitting on couch in living room.

N26 adapts to the new normal

We’re a mobile bank which adapts to change and to meet your needs. We’ve listed the most helpful N26 features for navigating these times.

3 min read

Let’s face it, it’s been just over a month since quarantine began, and isolation remains a challenge for us all. Thankfully, it's not all bad news—in fact, some good things are emerging from spending more time at home. Some of us have discovered a hidden talent for cooking, while others have become fitness fanatics, or reconnected with their artistic sides.

At N26, we have also adapted to this situation. Needless to say, as an online bank, we already had the upper hand: all our features allow you to manage your account 100% from home. Nevertheless, we’ve improved our services even further to ensure you can continue controlling your money seamlessly and enjoying a smooth banking experience.

Contactless payment limit increased to €50

The NFC technology on your Mastercard allows you to make contactless payments simply by bringing your card close to a payment terminal, with no need to touch a keypad to enter your card's PIN code. The upper limit for this type of payment used to be €25, but now we've doubled it—you can now make contactless payments for amounts up to €50.

Pay with your smartphone before you receive your card

To avoid any postal service issues in your area, you can now use your new N26 card before it’s even arrived. Whether you have just opened your N26 account or have ordered a new card for whatever reason, you can add the digital version of your card to your mobile wallet—this way, you can start paying with your smartphone immediately.

Streamlined verification system

When it comes to verifying your identity to open a new N26 account in Spain, you don't need to do your hair or to change out of your pyjamas, let alone leave the house. The only things you need are a smartphone with a good internet connection and proof of your identity at hand. We’ve devised a new way to verify your identity with just a couple of photos and a selfie—quick, easy and secure!

Push notifications after every transaction

Ever since half the planet became stuck at home with even more time spent connected to the internet, online fraud has skyrocketed. Given the circumstances, the most sensible thing to do is to learn about the most common online scams and how to avoid turning into a victim of this type of fraud. Should something like this happen, our real time push notifications after each transaction on your account will help you keep an handy overview of all your account activity.

Mastercard 3D Secure

As an additional security feature when shopping online, all of our cards support Mastercard's 3D Secure (3DS) technology. This advanced technology adds a layer of security via your smartphone when making online purchases, thus protecting you against any fraud attempt.


Keep an eye on this page! We’ll be updating it as we add more and more features tailored to the current situation. You can also follow us on Twitter and on Facebook and keep up to date with all the information we share via the hashtag #N26encasa. Stay positive and remember, as we say in Spain: one day more is one day less.

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