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Applies to customers from Belgium, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, Netherlands, Portugal, Slovakia and Slovenia.

Note: N26 Black is currently available in all markets except​ ​Greece​ ​and​ ​Slovenia.



€0,00 / month

N26 Black

€9,90 / month

Premium account including insurance

BetaN26 Business

€0,00 / month

Minimum Duration
12 months
Your bank account in a beautiful app
8 Min account opening, instant MoneyBeam transfers, real-time push notifications

Smart insights
Personalized updates, spending reports, customizable tags

Foreign currency transfers
via TransferWise


Mobile phone theft protection, travel insurance, ATM theft protection, Extended Warranty, Purchase Protection

Standard Mastercard
Optional: €2,90 / month (WAIVED for customers who sign up now)
Black Mastercard
Business Mastercard
Optional: €2,90 / month (WAIVED for customers who sign up now)
Free Mastercard payments
in any currency

Withdraw & Deposit Cash

Mastercard ATM withdrawals
in Euro
5 free withdrawals / month, then €2,00 per additional withdrawal
0,1% Cashback
We pay you back 0,1% on every Mastercard purchase
Mastercard ATM withdrawals
in foreign currency
1,7% of withdrawal
1,7% of withdrawal

Frequently asked questions

Why is there a fee for the standard Mastercard?

Note that there is NO fee for the standard Mastercard if you sign up now. It's our thank you to early customers in our newer markets. Once this promotional period ends, a modest monthly fee for the optional Mastercard will apply to new customers in these markets to help cover card costs. We'll also continue to offer a free N26 Bank account option. It gets you all the mobile convenience we're known for, and provides you the ability to add additional services like savings, investment, and credit as we introduce them in each market.

Is there a foreign exchange fee for Mastercard purchases?

No. N26 Mastercard purchases in any foreign currency are completely fee-free, meaning there’s no markup to the exchange rate that the card network sets. This is a great deal compared to other German banks and we’re proud to offer you a card which has no foreign exchange fees on purchases.

Why is there a 1,7% fee for Mastercard ATM withdrawals in foreign currencies?

We incur a higher cost for these transactions. You can avoid this fee if you pay with your Mastercard at the merchant. Mastercard acceptance abroad is often much higher than in Germany and across Europe, so you might be surprised how often you can pay with your card when abroad. When you do need to withdraw cash abroad, our fee is very competitive compared to other German banks. Many banks charge a higher percentage or require a minimum balance in your account for the fee to be waived.

Another option for you: we waive this fee for N26 Black account users, so N26 Black may be a good option for you if you travel frequently and withdraw foreign currency more often.