Leave fees at home
Use your N26 card worldwide with the best exchange rates, and never pay for ATM withdrawals in foreign currencies.1
All of the fun, none of the stress
We’ve got you covered with trip insurance, emergency medical coverage, and baggage insurance — provided by Allianz Assistance.2
Lounge access, unlocked
Skip the travel stress with discounted access to over 1,300 airport lounges around the world.3
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
1 Unlimited free ATM withdrawals in the local currency outside the eurozone is exclusive to N26 Go and Metal.
2 Exclusions and restrictions apply. For more information, please see the N26 Go Allianz Assistance Insurance Product Information Sheet and N26 Go Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.
3 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access.
Advertising message for promotional purposes. Please refer to the contractual documentation in the Legal Documents Section for more information.
FAQ
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, French, German, Spanish, or Italian
- Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
- Individual quarantine and other events listed in the collective insurance agreement
- What will be reimbursed?
- Cancellation fees up to €10,000 per trip for trip cancellation
- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- What will be reimbursed?
- Prorated costs of the covered travel services booked but unused at the destination up to €10,000 per trip
- Necessary transportation expenses to continue the trip or return home
- Additional accommodation/ transportation expenses if prolongation of the trip is necessary up to €100/day/per trip for a max. of three days
- Trip delayed due to covered reasons by at least two hours. What will be reimbursed?
- Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours What will be reimbursed? Baggage: Up to €2,000 per trip Baggage delay: Up to €500 per trip
- Reimbursement in case of damage, theft or loss of travel documents
- Necessary costs for emergency replacement identification document up to €500 per trip
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- Reimbursement of medical expenses abroad
- Costs for emergency transportation and medically advisable and justifiable medical repatriation Max. amount covered:
- For medical emergency treatment: up to €1,000,000 per trip
- For dental emergency treatment: up to €250 per trip
- For medical repatriation up to the actual cost for search, rescue and recovery: up to €2,300 per trip
- Costs payable to a third party following damage or injury. Max. amount covered: up to €500,000 per trip
- Events occurring outside the validity dates indicated in the conditions for beneficiaries.
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
- Damage of any kind caused intentionally by the beneficiary or with their complicity.
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events.
- Claims arising due to pre-existing medical conditions.
- Violation of international sanctions, laws, or regulations.
- The policy deductible that is applicable to claims made under some benefit sections.
- Financial limits apply to each benefit section.
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.
- War (declared or undeclared) or acts of war
- Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
- Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
- Intentional self-harm or attempt of suicide.
- Unstabilized illnesses or injuries that were diagnosed or treated.
- An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description.
- Local health situations, pollution, weather or climate events.
- Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description.
- Expenses incurred without the prior agreement of our assistance department.
- The cost of treatment or care not resulting from a medical emergency.
- The consumption of alcohol or drugs not medically prescribed.
- Participation in a professional or dangerous sport.
- Trip cancellation: deductible: €20 per beneficiary.
You must meet the following requirements to open an N26 Go account:
Once you've checked that you meet our basic requirements, just download the N26 app to open your account.
Forget the paperwork — opening an N26 Go bank account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
The N26 Go account costs €9.90 per month. For full details on the costs and conditions of the N26 Go account, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
N26 Go is a paid bank account that includes a physical Debit Mastercard, a virtual card, and free ATM withdrawals in the eurozone. Designed for seamless travel, it offers unlimited free ATM withdrawals worldwide and market-leading exchange rates.
You’re protected on every trip with a comprehensive travel insurance package by Allianz Assistance. For added comfort, you can also purchase discounted airport lounge passes directly in the app.
Budgeting is simple with up to 10 Spaces sub-accounts, including Shared Spaces to manage money with others.
For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
For full details on the costs and conditions of N26 Standard, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
We don’t charge an exchange rate fee if you pay with your N26 Mastercard or withdraw cash in a foreign currency. With N26 Go, you have a truly international card in your wallet.
N26 Go is a bank account with travel insurance benefits provided by Allianz Assistance. This versatile package of insurance includes coverage for travel and baggage delays, baggage loss, and medical coverage in case of emergencies abroad.
To find out more about the insurance benefits associated with your N26 Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
Customers with a German IBAN account in Italy can find more information here.
Trip Cancellation
Which events are covered?
Which events are covered?
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
What will be reimbursed?
Which events are covered?
Which events are covered?
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
What will be reimbursed?
To find out more about the insurance benefits associated with your N26 Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
- General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.
Please consult the respective Section of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations.
Main exclusions