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.

N26 You Timeline Feature in App.

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.

Colourful N26 You cards on a table.

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.

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
Sub-accounts concept.

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.

N26 Premium Partners.

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.

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A hand holding a credit card.

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
Customer Support screen.

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

N26 You card, Petrol.

*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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*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes).

**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

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?

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?