N26 Mastercard debit card—accepted worldwide

Your premium bank account comes with a Mastercard debit card in a choice of colors. Sign up in minutes, and enable mobile payments to start spending right away—even before your physical card arrives in the mail.

Waiting list
Mastercard
24
markets
~8 million
customers
Just minutes
to open a bank account
280k+
5* ratings across both iOS and Android app stores

A Mastercard debit card, perfectly suited to you

Are you a premium customer? With a N26 Smart account, you can choose a debit Mastercard in one of 5 colors: Ocean, Sand, Rhubarb, Aqua or Slate. And with N26 Metal, you’ll get an exclusive metal debit card, crafted in 18-grams of stainless steel, and an option of three stunning shades—choose a Charcoal Black Mastercard, or go for Slate Gray or Quartz Rose. If you have a free N26 Standard bank account, you can also order our signature transparent debit Mastercard for a one-off €10 delivery fee.

N26 transparent Mastercard, Charcoal black Metal Mastercard and teal Mastercard.

Pay with your Mastercard, around the globe

The perfect travel companion in your pocket, your Mastercard debit card is accepted worldwide and offers zero foreign transaction fees when spending abroad—with no mark ups or extra charges. Pay in stores, online and in-apps and spend like a local wherever you are in the world—all thanks to fee-free ATM withdrawals in any currency included with your N26 You and Metal account. Simply use the handy Mastercard ATM locator in your app to find your nearest cashpoint.

Security

Mastercard 3D Secure

Spending online? Mastercard SecureCode is an advanced two-factor authentication step that adds an additional layer of protection.

NFC technology

Your contactless Mastercard comes with NFC technology, and one tap is all it takes to pay in stores, online or in-apps.

Instant push notifications

With real-time push notifications after every transaction, you’ll always know about money coming in and out of your bank account.

Deposit protection

Your money is protected up to €100,000, thanks to our full European banking license and the German Deposit Protection Scheme.

Stay in control—24/7

You’re always in the driver’s seat with N26. Add your Mastercard debit card to your mobile wallet to make payments with your smartphone. With a few taps in the app, you can also lock or unlock your card, change your PIN or set daily spending and withdrawal limits—at home and abroad. Always misplacing your card? Order an extra to use with your N26 account, and never lose access to your money.

phone screen with N26 Metal Mastercard.
N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Your Mastercard, your way

Business or personal? Standard or premium? Whichever type of bank account you opt for, choose a Mastercard debit card that’s right for you. Go premium to pick your card’s color, or order a transparent debit card for a one-off delivery fee.

Waiting list

*The “N26 Standard” current account includes zero fees for the maintenance of the account, the issuance of a virtual debit card and the authorization of virtual debit card transactions, ordinary SEPA transfers in Euros, standing transfer orders, SEPA direct debits, three cash withdrawals a month at ATMs in Euro area. Fees and charges are applicable for services other than those indicated. For the complete contractual and economic conditions, see the information sheets.

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FAQ

All N26 bank cards are Mastercard debit cards that come with contactless NFC technology—even our bespoke-design metal Mastercard. At present, we don’t offer credit cards with our accounts.

You can choose your physical Mastercard when you open an N26 premium bank account. Pick from a choice of 5 colors if you’re an N26 Smart, Business Smart, or N26 You and Business You customer. If you’ve signed up for an N26 Metal or Business Metal bank account, you can get a metal Mastercard available in three metallic shades.

If you’re a premium customer, your N26 Mastercard is included with your membership. Simply open a bank account in minutes, and pick your favorite color.

The free N26 Standard bank account comes with a virtual card—simply add it to your mobile wallet to pay in stores, online or in-apps from your smartphone. You can also order a physical Mastercard to use with your bank account for a one-off €10 delivery fee.

Your N26 premium account offers many benefits, including Spaces sub-accounts for easier saving and Shared Spaces to manage money together with others. On top of this, enjoy a wide range of deals and offers from partner brands, and much more.

At present, we don’t offer credit cards. As a premium customer, your bank account comes with a Mastercard debit card.

No, your N26 Mastercard is not a prepaid card. It is a Mastercard debit card that is accepted worldwide, letting you carry out transactions with the money available in your account.

Mastercard issues both Maestro and Mastercard debit cards. The difference is that Maestro exists only as a debit card, while Mastercard cards can be debit, credit, or prepaid cards. Maestro cards can also be used to pay in stores and online, and to withdraw cash at counters.

All purchases made with your Mastercard credit card will be charged to you at the end of the month as a lump sum. However, Mastercard also issues debit and prepaid cards. A debit card is connected to your bank account, meaning the money you spend will be deducted from your account immediately. Mastercard also offers prepaid cards that you can simply top up as needed, but these are not linked to your bank account.

The 3D Secure system is enabled automatically when you activate your debit Mastercard in the N26 app. Every time you make an online payment with your debit Mastercard, 3D Secure will confirm the transaction within 5 minutes by sending a push notification to the smartphone paired with your account.