Bank like a local, anywhere

Make free ATM withdrawals worldwide, use your card with no foreign transaction fees, and enjoy insurance coverage with N26 You and Metal.Open Bank Account
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Fee-free payments worldwide

Pay with your N26 card wherever you go — with no foreign transaction fees.
Open an account
A hand holding a mobile phone displaying a virtual card with a luggage design.

Travel insurance you can bank on

With N26 You and Metal, get insurance coverage for travel delays, medical emergencies, baggage, and trip cancellations.
Learn more
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Trusted banking on the go

Stay in control wherever you go with a card you can lock instantly in the app, customizable security settings, and 24/7 chat support.
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Open an account in minutes

Open your N26 account from your desktop or smartphone in just a few taps.
Open Bank Account

Tier pages - Allianz Desktop 1080x70px. Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet for N26 Metal and N26 You, and Conditions for Beneficiaries for N26 Metal and for N26 You. Customers with a German IBAN account in France can find more information here for N26 Metal and here for N26 You. N26 Metal and N26 You feature insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch), one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.

FAQ

    With N26, you can make free card payments worldwide — as often as you like and with no foreign transaction fees.

    No matter which N26 plan you have, enjoy unlimited card payments in any currency, with no foreign transaction fees. Mastercard’s exchange rate applies to any foreign currency payment or withdrawal you make with your N26 card.

    Yes, your card is protected no matter where you travel. Easily lock and unlock your card in seconds right from your phone, and get instant notifications for every payment, so you can rest assured that your money is safe — even if your card goes missing. Plus, N26 has a full banking license, meaning your deposits are protected up to €100,000.

    Yes! All N26 cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. N26 You and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.

    Our premium plans, N26 You and N26 Metal, offer various insurance packages. These cover events from accidents, to trip delays, cancellations, and baggage insurance. All alongside fee-free card payments, free global ATM withdrawals, and much more.