Your N26 Debit Mastercard
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1 N26 Standard includes two free monthly ATM withdrawals.
2 Customer Support specialists available from 11am until 7pm, seven days a week. Our chatbot can help with common questions 24/7.
3 A €10 fee applies for the issuing of the physical Mastercard debit card.
4 The product Instant savings is reserved for non business customers of N26 Bank SE, French Branch, with a French IBAN. DE IBAN customers are excluded.
Deposits into N26 Instant Savings accounts earn interest at an annual gross nominal rate of 1.50% with N26 Metal, 0.55% with N26 Go, and 0.25% with N26 Smart and N26 Standard from 11/06/2025 onwards. 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.
5 The variable annual return rate shown 2.61% is presented net of fees and reflects information provided by the fund manager, Fidelity International, as of 22/10/2026. This rate is subject to change on a daily basis based on market conditions.
All investments carry a risk of capital loss. A flexible cash fund is not a guaranteed investment, and a total loss of your investment is possible at any time. Investing in a flexible cash fund differs from an investment in deposits. The capital invested may fluctuate. The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share. Before investing, please assess your financial situation carefully and consider seeking independent advice, review as well the Key Information Document (KID) and our full Terms & Conditions.The statements on this landing page do not constitute financial advice. The values depicted are fictional and for illustrative purposes only. Service of reception and transmission service for financial instruments by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Execution and securities custody by Upvest Securities GmbH (Schlesische Straße 33/34, 10997 Berlin, Germany, HRB 232445 B). Fund issued and managed by Fidelity (RCS B88635).
A flexible cash fund is a regulated investment product managed by Fidelity. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. As with all money market funds and other investments, there are inherent risks, including market, liquidity, and volatility risks.
When you withdraw from a flexible cash fund, you instruct us to sell your shares in the underlying money market fund. The proceeds from this sale may take up to 2 business days to reach your account. T&Cs apply.
6 A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 22/10/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results. Starting January 1, 2027, service fees will apply based on your N26 plan: 0% for N26 Metal and Aura, 0.20% for Go, 0.25% for Smart, and 0.30% for Standard plans.
7 Stocks and ETFs: All investments carry a risk of capital loss. Buying and selling stocks, ETFs, and ETCs through the N26 app costs €0.90 per transaction. N26 Go customers receive 3 free trades per month, while N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. Past performance is not a reliable indicator of future results.
A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market.
The reception and transmission service for stocks, ETFs, and other assets is provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody).
The market for crypto assets constitutes a high risk. Crypto assets are subject to high fluctuations in value — declines in value or a complete loss of the money spent are possible at any time. Past performance is not a reliable indicator of future performance. N26 Crypto is powered by Bitpanda Asset Management GmbH. Dircksenstrasse 4, 10179 Berlin | Deutschland | Gericht: Amtsgericht Berlin Charlottenburg | Handelsregisternummer: HRB 258842 B
FAQ
- You must meet the following requirements to open an N26 Standard account:
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, German, Italian, Spanish, or French
- Once you've checked that you meet our basic requirements, just download the N26 app to open your account. Forget the paperwork — opening a free N26 Standard account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
- N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. However, fees may apply to other services. Please refer to the Price and Services List for more information.
- N26 Standard is a 100% online free bank account that allows you to manage your daily finances all in one place. Transfer, receive, and manage your money online whenever and wherever you are. Accept SEPA Instant Credit transfers from other banks at no extra cost and see the money in your N26 Standard account in seconds. Plus, MoneyBeam lets you send, receive, and request money among other N26 customers, all in real time and completely free. As soon as you open your account, you’ll receive your virtual N26 Mastercard. Link it to Apple Pay, Google Pay, Samsung Wallet, or Garmin Pay and use it for contactless payments in stores, online, or in apps. You can even make up to two free ATM withdrawals in the eurozone per month at any ATM equipped with a contactless reader. If you'd rather have a physical debit card, that's no problem — just order your transparent N26 Mastercard for a one-time delivery fee of €10. Plus, thanks to the Insights feature you'll also learn more about your spending habits, which can help you manage your finances even better. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
- N26 Standard includes one free virtual card that can be used right away, and an additional 5 virtual cards for €2.59 each. You can also order a physical Debit Mastercard for €10 (up to 5).
- At N26 we offer the free N26 Standard account. You get an account with no maintenance fees or minimum balance. You also get a virtual Debit Mastercard, which you can use for online purchases and mobile payments via Apple Pay, Google Pay, Samsung Wallet, or Garmin Pay. You also have the option to open a paid N26 account and get access to more features and benefits. N26 Smart lets you add up to 10 sub-accounts and use innovative savings features, while N26 Go offers travel insurance benefits and free international withdrawals. And with N26 Metal, you get our premium account with an elegant stainless-steel Debit Mastercard, smartphone insurance, and priority customer support. Open your fully mobile, online bank account in minutes — directly from your phone — and start banking from anywhere.
- If you’re looking for an account with no maintenance fees and no minimum deposit, our N26 Standard account is perfect for you. You'll benefit from a fully online bank account with a virtual Debit Mastercard that you can use to pay via Apple Pay, Google Pay, Samsung Wallet, or Garmin Pay — both online and in stores. You'll also enjoy access to the Insights feature, which helps you keep better track of your spending and find places where you can save more. However, with an N26 Standard account, fees may apply for various services. These include, for example, fees for direct debits that bounce. You can find more information about the costs of our accounts and services in our detailed price list. Please note, fees may apply to other services. Please refer to the Price and Services List for more information.