The bank account made for travel
Your all-in-one plan for banking, saving, and investing — wherever you go.
1 Unlimited free ATM withdrawals in the local currency outside the eurozone is exclusive to N26 Go and Metal.
2 This promotion is applicable for N26 Go and N26 Metal customers. Participate in the promotion by clicking on the in-app message, email, or push notification and selecting ‘Enrol’ on the in-app landing page. From the moment of successful enrollment, you will receive 1% cashback for up to 12 months on qualifying transactions made with your N26 Mastercard outside the European Economic Area (EEA), Switzerland, and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway. See full T&Cs here: https://n26.com/hb-ex.
3 Exclusions and restrictions apply. For more information, please see the N26 Go Allianz Assistance Insurance Product Information Sheet and N26 Go Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive 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.
4 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access.
5 Travel eSIM data plans, partnered with its connectivity provider 1GLOBAL, are available for purchase in the app.
6 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.
7 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.
8 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.
9 Stocks and ETFs: All investments carry a risk of capital loss. Stocks and ETFs can be subject to high fluctuations in value. The invested amounts are not guaranteed, and a total loss of your investment is possible at any time. Past performance is not a reliable indicator of future performance. Ensure you have sufficient knowledge before making any transactions. Service provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR HRB 271697 B (reception and transmission of orders on stocks and ETFs) in partnership with Upvest Securities GmbH, Schlesische Straße 33/34, 10997 Berlin, Germany, CR HRB 232445 B (execution and custody). More information on https://n26.com/en-fr/stocks-and-etfs.
Crypto: Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany RC Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://n26.com/en-fr/crypto.