N26 You

A debit card for everyday and travel

A premium account for your daily needs and travel abroad—without the hidden fees. Open your bank account, and get an N26 debit card in your choice of color.

A premium bank account for everyday, with insurance

N26 You is a premium bank account that fits all your needs. Manage your finances in real-time with the N26 mobile app—make payments and bank transfers, set up standing orders, and keep track of all your transactions with instant push notifications. Spend with your smartphone by adding your N26 debit card to your mobile wallet, and know that wherever you go, you’re covered by an extensive travel insurance package—both at home, and abroad.

A Mastercard debit card to suit your lifestyle

Choose from 5 vibrant colors—Ocean, Sand, Rhubarb, Aqua and Slate—for your contactless Mastercard.

Save up for what matters with Spaces

With N26 Spaces, create up to 10 sub-accounts to budget better and put funds aside for your personal projects. Create rules to move money over without second thought, and invite up to 10 other N26 users to save up together for common goals—such as a joint birthday present with family, or a new sofa for the living room with your roommates.

Discover Spaces

The bank account without hidden fees

Don’t get caught by nasty surprises when making payments. With your N26 You card, payments and withdrawals in foreign currencies are free of charge worldwide. And you’ll benefit from the real Mastercard exchange rate, at no extra cost.

Extensive travel benefits, including COVID-19 coverage

Going abroad for necessary trips? Prepare for the unexpected with N26 You. Your membership is packed with travel benefits that cover you worldwide, including epidemic and pandemic coverage* for claims related to COVID-19. Stay protected while on-the-go during uncertain times—we’ve got you covered.

*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.

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Medical emergency cover

N26 You covers you in case of medical emergencies abroad. It also includes insurance for your partner and children, with access to 24/7 medical phone assistance.

Trip curtailment or cancellation

If you can’t make it to the airport, or must shorten your stay due to unforeseen circumstances, we have you covered.

Flight delay insurance

We all know that time is money. With N26, don’t get caught out—receive compensation in case of flight delays of more than 4 hours.

Insurance for delay and theft of luggage

Don’t get stuck without your essentials. Claim compensation if your luggage is delayed or lost, or if your flight is more than 4 hours late.

Mobility insurance

N26 You doesn’t only provide you with insurance on your trips abroad—your everyday travel at home is covered too.

Winter activities insurance

Going skiing or snowboarding? Get coverage in case of emergencies on the slopes, thanks to winter sports insurance.

Insurance for trips with your bike, scooter or car sharing*

A fan of zooming around town, with the help of a mobility app? Move around freely without the worry—N26 You covers your bike, electric scooter and car sharing rentals.

Jump into the future with N26 Metal

Discover a premium banking experience, with an elegant metal card, an extensive insurance package, special partner offers, and so much more.

Upgrade to N26 Metal

Customer Support is here to help

Do you need assistance? Whatever you need, our Customer Service team is at your disposal. Reach them directly via the chat function in your N26 mobile app, or through the N26 WebApp on your desktop. You can also find answers to your questions via the Support Center.

Visit our Support Center

Need an extra card? No problem.

Losing your card and waiting for a new one to arrive is annoying—that’s why keeping a spare makes a lot of sense. Order a second Mastercard to use with your account right in the N26 app, and make sure you always have access to your cash.

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Discover a premium banking experience with N26 You

Open your account for only €9.90 per month, and get a personalized Mastercard debit card. Manage your finances in real-time from your smartphone without any hidden costs, and benefit from a range of travel insurance and everyday lifestyle cover.

Frequently asked questions

What are the benefits of an N26 You account?

N26 You is a premium membership bank account that comes with a colorful debit card, travel insurance and cover for flight, luggage and curtailment delays as well as luggage loss. You’ll also get exclusive partner deals and free foreign currency ATM withdrawals worldwide. See T&C’s for full details and availability.

How do I open an N26 You bank account?

To open an N26 You account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only 8 minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.

For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.

Is the N26 Mastercard a debit card, a credit card or a prepaid card?

The N26 You is a Mastercard debit card, meaning that all charges are debited in real-time from your account. This is why it’s important to always have enough funds in your balance.

How to get my debit card?

After ID verification, you can choose the color you want for your N26 You card—we’ll then order it for you, and it will be delivered to the address you’ve provided. You can also specify whether you’d like standard or express delivery.

How much does the N26 You bank account cost?

An N26 You bank account costs €9.90 per month.

What kind of travel insurance does the N26 You bank account offer?

N26 You comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, medical cover in case of emergencies abroad (including dental insurance and winter sports insurance), rental of shared cards, scooters or bikes and much more.

What does the pandemic coverage include?

If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and coverage for canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.

Do you charge foreign transaction fees?

We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.

What are the advantages of Mastercard Travel Rewards?

The Mastercard Travel Rewards program gives you access to hundreds of cashback offers from top brands while traveling abroad. With cashback offers across arts and culture, shopping, hotels, culinary experiences, entertainment, and more, you can treat yourself year-round and save on your holidays abroad. To take advantage of Mastercard Travel Rewards, all you have to do is pay at participating stores with your N26 Mastercard.