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.

The bank account for your day-to-day, with insurance

N26 You is the premium bank account, designed to cater to all your everyday banking needs—from bank transfers, direct debits, mobile payments, and more. And with an insurance package for your travels abroad and trips around town, you’re always covered if the unexpected happens.

A colorful Mastercard, suited to you

Choose a contactless debit card and take your pick from 5 unique colors—Aqua, Rhubarb, Sand, Ocean, and Slate.

Free ATM withdrawals and payments worldwide

Say goodbye to hidden fees! We don’t charge transaction fees when you pay with your N26 Mastercard, not even in a foreign currency. Plus, you get free ATM withdrawals worldwide, wherever you are—and thanks to the real Mastercard exchange rate, you won’t be hit by any nasty surprises or sneaky charges.

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 coverage

Get coverage for you, your spouse, and your children in case of medical emergencies abroad, including dental care—and you’ll also get access to 24/7 medical phone assistance.

Trip cancelation and curtailment insurance

The insurance included with your N26 You package provides coverage if you need to cancel a trip, or interrupt it due to unforeseen circumstances.

Flight delay cover

There’s nothing more frustrating than being stuck in an airport lounge. With N26 You, you can request a refund if your flight is delayed by more than 4 hours.

Luggage delay and loss insurance coverage

You'll never be stranded without your toothbrush either! Your bank account covers your luggage if it’s delayed, or gets lost along the way.

Mobility insurance coverage for your trips around town

N26 You doesn't just provide coverage for your adventures abroad, but also for your everyday life so you can move around town carefree.

Winter sports and ski insurance coverage

Love to ski? Zoom down the ski slope without a worry in the world, thanks to the winter sports insurance included with your N26 You bank account.

Car, bike, and scooter sharing cover

A fan of hiring vehicles from sharing apps? Get around town without a hassle—N26 You cover damage to cars, bikes, scooters, and electric scooters rented on shared mobility apps.

Save and put money aside with no effort

Spaces is a unique feature that allows you to create up to 10 sub-accounts, helping you meet your savings goals and put aside funds for your projects. As a premium customer, you can also invite up to 10 additional N26 users to join your space so you can pool money together with family and friends*. Just create a space, name it whatever you like—for example, "Birthday Gift" or "Weekend at the Beach"—and it’s ready.

Discover Spaces

Deals from selected partners, just for you

Your N26 You bank account includes exclusive deals and offers from partner brands like YOOX, GetYourGuide and Hotels.com—N26 Perks that are all hand-picked with your personal interests and lifestyle in mind.

Order an additional debit card

You know that feeling when you lose your card and have to wait a few days to get a new one? With N26 You, you can link an additional debit card to your bank account, so you'll always have an extra available when you need it.

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N26 Metal – the new generation premium account

Discover our most premium banking experience with N26 Metal. Get an exclusively-designed stainless steel Mastercard, alongside benefits such as free withdrawals worldwide, a handy package of lifestyle and travel insurance and special partner discounts to suit your lifestyle. Need help? No problem! Our priority Customer Support is always on-hand to help.

Go premium with Metal

Our Customer Support is here to help!

Have a question about your account? Our agents are on-hand to help. Just contact us directly via chat in your N26 app, or the N26 website. And if you're looking for answers on the most frequently asked questions, our Support Center is a wealth of information.

Visit our Support Center

N26 You. Discover a banking experience tailored to your needs.

*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.

Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

Allianz Logo - Updated June 2020. *Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C.S.A - Dutch branch) one of Europe's most trusted insurance companies.

Mastercard offers a range of complimentary privileges as part of your N26 You World card status. Every N26 You card holder is automatically entitled to enjoy these benefits, tailored to the needs of frequent travelers and globe-trotters.

If you are planning your next trip, also make sure to check out the Mastercard Priceless Cities* for exclusive events and recommendations. You only need your Mastercard to discover the most beautiful cities in the world, and your new experiences can begin.

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.

What do I need to open an N26 You bank account?

You can open an N26 You account via the N26 app on your smartphone or the web app. You’re eligible if:

  • You’re at least 18 years old
  • You’re a resident of a supported country
  • You have a compatible smartphone
  • You don’t already have an account with us
  • You will also need to provide a supported ID document, applicable to the country you’re resident in. Find further information here.

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

The You Mastercard is a debit card. This means that all the transactions occur in real-time, and are directly debited from your N26 bank account when you make a purchase.

How do I receive my debit card?

You will receive your N26 Mastercard automatically as soon as you have opened your bank account, and we’ve verified your identity. Before we send it, we'll ask you to choose one of the 5 available colors: Aqua, Rhubarb, Sand, Ocean, and Slate. We'll send your N26 You debit card by standard or express delivery to the mailing address you provided.

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 differences between the N26 You bank account and N26 Business You bank account?

N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.