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.
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.
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.
Emergencies when travelling
The N26 You policy provides cover for you, your spouse and children in case of a medical emergency while traveling, with access to 24/7 medical phone assistance. This includes emergency dental insurance.
Baggage coverage and delay insurance
Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.
Travel delay and cancellation
We understand what it's like when when business trips don't go according to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
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.
Emergencies when travelling
Travel medical insurance up to €1,000,000 for you, your partner and kids in case of emergencies, including dental and winter sports***.
Personal liability while traveling
Coverage up to €500,000 for Travel Liability in case you ’re legally liable for damage to a third party or their property during a trip.
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.
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.
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.
N26 You. Discover a banking experience tailored to your needs.
Open your bank account for €9.90 per month, and receive a Mastercard debit card in your color of choice. Manage your bank account directly from your smartphone, and take advantage of the included insurance coverage, along with many other benefits.
*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 the Euro area. Fees and charges are applicable for services other than those indicated. For complete contractual and economic conditions, see the information sheets.Advertising message for promotional purposes. Please see the Terms & Conditions for more information.
TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9.90/month. The settlement of the account is made monthly.*2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com**2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit.
***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?
How do I open an N26 You bank account?
What do I need to open an N26 You bank account?
Is the N26 You Mastercard a debit card or a credit card?
How do I receive my debit card?
How much does the N26 You bank account cost?
What kind of travel insurance does the N26 You bank account offer?
Do you charge foreign transaction fees?
What are the differences between the N26 You bank account and N26 Business You bank account?
