N26 You

N26 You

A packaged bank account for home and travel.

Banking, personalised.

Customise your style with N26 You. Choose your contactless Mastercard, available in 5 colours – Ocean, Slate, Rhubarb, Sand and Aqua – with no fees on ATM withdrawals and free card payments worldwide.

Free ATM withdrawals worldwide

Forget foreign transaction fees. Withdraw cash for free in any currency from ATMs around the world and pay using your N26 You Mastercard online and in stores with zero fees or markups.

Extra Spaces for you

Sometimes more is more, especially when it comes to organising your money. Your N26 You membership gives you the freedom to create up to 10 Spaces sub-accounts alongside your main account, for reaching your savings goals.

Exclusive partner discounts you can make use of

You bank account comes with exclusive partner offers and hand-picked discounts from brand names like GetYourGuide and WeWork, all carefully curated with you in mind.


A packaged account for travelling lighter

Open your account in minutes for a personal banking experience that’s always by your side – no matter how far you roam.

Frequently asked questions

What are the benefits of the N26 You packaged bank account?

N26 You won't charge you for making ATM withdrawals at home or abroad, and there are no foreign transaction fees for using your card in any currency. You'll also benefit from Mastercard's standard exchange rate on non-GBP currency transactions as well as brand-name partner discounts. See T&C’s below for full details and availability.

Will I be charged foreign transaction fees?

No, we won’t charge foreign transaction fees if you pay with your N26 Mastercard or if you withdraw cash from an ATM in foreign currency.

Is the N26 You Mastercard a debit card or credit card?

The N26 You Mastercard is a debit card, which means all transactions occur in real-time and are directly debited to your N26 bank account. It is not a credit card that comes with a monthly bill.

Does the N26 You Mastercard have contactless (NFC) functionality?

Yes — the N26 You Mastercard includes NFC functionality for contactless payments up to £30 without having to enter a PIN. Purchases over £30 need to be confirmed by PIN. No compromising data is submitted during the payment process—only the card number and the card’s expiration date.