Save money using your debit card abroad


Paying with your N26 card when traveling

N26 doesn’t hide fees or add a foreign exchange rate. We also don’t tack on extra charges for rare currencies or for paying on the weekend. Spend abroad and benefit from Mastercard's real exchange rate.

Withdrawing money abroad is free with N26 You. Anywhere.

N26 You gives you free withdrawals in currencies around the globe, saving you up to 7% on fees. That means N26 You pays for itself in just a few trips.


Can I withdraw money with my N26 debit card abroad?

Yes! All N26 cards let you withdraw money at foreign ATMs. It’s free with You and Metal and standard users only have to pay 1,7% conversion fee.

Which are the N26 foreign exchange rates for paying abroad?

N26 doesn’t charge exchange markups. So you get what your money is worth, without conversion fees. We use the real exchange rate, provided by Mastercard.

Which are the N26 exchange rates for withdrawing abroad?

Premium accounts don’t pay any fees for withdrawing money. While free plans pay a one-time 1,7% on withdrawals in currencies outside the Eurozone.

What is the Mastercard exchange rate?

Mastercard bases their exchange rate on the mid-market rate, but it can be marginally higher or lower depending on a number of factors. But we don’t change our rates.

Can I enjoy travel benefits for being a N26 customer?

Yes, among many other advantages that you can consult in your mobile application, with N26 you can enjoy discounts of up to 10% with Booking when booking stays.

Which Spanish bank can I switch from?

You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.

Discover more about using your debit card abroad on the N26 Magazine: