N26 Mastercard debit card—accepted worldwide

Your premium bank account comes with a Mastercard debit card in a choice of colors. Sign up in minutes, and enable mobile payments to start spending right away—even before your physical card arrives in the mail.

~8 million
8 minutes
to open a bank account
5* ratings across both iOS and Android app stores

A Mastercard, perfectly suited to you

Premium customer? Pick a Mastercard in 5 colors: Ocean, Sand, Rhubarb, Aqua or Slate. And with N26 Metal, get an exclusively-designed metal debit card crafted in 18-grams of stainless steel and an option of three stunning shades—choose a Charcoal Black Mastercard, or go for Slate Grey or Quartz Rose. If you have a free N26 Standard bank account, you can also order our signature transparent debit card for a one-off €10 delivery fee.

Pay with your Mastercard, around the globe

The perfect travel companion in your pocket, your Mastercard debit card is accepted worldwide and offers zero foreign transaction fees when spending abroad—with no mark ups or extra charges. Pay in stores, online and in-apps and spend like a local wherever you are in the world—all thanks to fee-free ATM withdrawals in any currency included with your N26 You and Metal account. Simply use the handy Mastercard ATM locator in your app to find your nearest cashpoint.

Mastercard Travel Rewards—treat yourself while traveling

With your N26 account, spending less when you’re on the road is easier than ever. And did you know that your N26 debit Mastercard allows you to receive cashback when you make purchases in participating stores abroad? That’s right—thanks to Mastercard Travel Rewards and N26, your cashback will be automatically credited to your account within 30 days.


3D Secure from Mastercard

All your online payments are protected thanks to Mastercard SecureCode technology, which provides an extra layer of security for your online purchases.

NFC technology

Your Mastercard N26 contactless is compatible with NFC technology, so you can pay for your purchases securely and quickly in physical stores, online or in apps.

Push notifications

Thanks to real-time push notifications after every transaction, you are always up to date on what's going on in your bank account.

Deposit protection

With our European banking license, your money is protected up to 100.000 € by the German Deposit Guarantee Fund.

Stay in control—24/7

You’re always in the driver’s seat with N26. Add your Mastercard debit card to your mobile wallet to make payments with your smartphone. With a few taps in the app, you can also lock or unlock your card, change your PIN or set daily spending and withdrawal limits—at home and abroad. Always misplacing your card? Order an extra to use with your N26 account, and never lose access to your money.

Your Mastercard, your way

Business or personal? Standard or premium? Whichever type of bank account you opt for, choose a Mastercard debit card that’s right for you. Go premium to pick your card’s color, or order a transparent debit card for a one-off delivery fee.


What is the N26 Mastercard debit card?

All N26 bank cards are Mastercard debit cards that come with contactless NFC technology—even our bespoke-design metal Mastercard. Shop or withdraw money anywhere in the world, and keep your money safe with 3D Secure from Mastercard. Plus, add your card to Apple Pay or Google Pay to spend and save with confidence—right from your phone.

Can I get a Maestro card with my N26 account?

Residents in Germany, the Netherlands and Austria can also order a Maestro card to accompany their primary debit Mastercard.

How can I choose my own N26 Mastercard?

You can choose your physical Mastercard when you open an N26 premium bank account. Pick from a choice of 5 colors if you’re an N26 Smart, Business Smart, or N26 You and Business You customer. If you’ve signed up for an N26 Metal or Business Metal bank account, you can get a metal Mastercard available in three metallic shades.

Is the N26 Mastercard free?

If you’re a premium customer, your N26 Mastercard is included with your membership. Simply open a bank account in minutes, and pick your favorite color. The free N26 Standard bank account comes with a virtual card—simply add it to your mobile wallet to pay in stores, online or in-apps from your smartphone. You can also order a physical Mastercard to use with your bank account for a one-off €10 delivery fee.

What are the benefits of an N26 premium account?

Your N26 premium account offers many benefits, including Spaces sub-accounts for easier saving and Shared Spaces to manage money together with others. On top of this, enjoy a wide range of deals and offers from partner brands, and much more.

Is the N26 Mastercard a credit card?

At present, we don’t offer credit cards. As a premium customer, your bank account comes with a Mastercard debit card.

Is the N26 Mastercard a prepaid card?

No, your N26 Mastercard is not a prepaid card. It is a Mastercard debit card that is accepted worldwide, letting you carry out transactions with the money available in your account.

Learn here the difference among credit, debit, and prepaid cards

What is the difference between a Visa card and a Mastercard card?

Mastercard and Visa are the two most important payment system companies, both in France and abroad. They each have a network of merchants and ATMs in nearly every country. Given this, for the owner of a Mastercard card or a Visa card, there is virtually no difference between the two when it comes to their services.

What are the pros of having a Mastercard?

The Mastercard issued by N26 gives you access to Mastercard Travel Rewards. When you make a purchase with your N26 debit Mastercard in a participating Mastercard Travel Rewards program store, you’ll receive cashback on that purchase. This cashback will be automatically credited to your account within 30 days.

How do I get a Mastercard?

To get a Mastercard as an N26 customer, all you need to do is open a bank account. Each N26 account comes with a debit Mastercard, whether it’s a virtual card or a physical card.