N26 You
World, say hello to N26
- Free card payments and withdrawals worldwide
- 24/7 Customer Support
- Comprehensive travel medical insurance
- Travel liability coverage
- Starting from just €7.90 per month
Your Allianz* insurances at a glance
Insurance for delay and theft of luggage
Don’t get stuck without your essentials. Claim compensation if your luggage is delayed or lost, or if your flight is more than 4 hours late.
Medical emergency cover
N26 You covers you in case of medical emergencies abroad. It also includes insurance for your partner and children, with access to 24/7 medical phone assistance.
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.
Traveling in times of COVID-19? We’ve got you covered
Your N26 premium account comes with extensive travel coverage that protects you wherever you are, including for claims due to epidemics or pandemics such as COVID-19*. Minimize the stress during necessary travel, and breathe deep with extra peace of mind.
*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.
Need an extra card? No problem.
Losing your card and waiting for a new one to arrive is annoying—that’s why keeping a spare makes a lot of sense.
Order a second Mastercard to use with your account right in the N26 app, and make sure you always have access to your cash.
Our Customer service is here for you
Need some help? Call or chat with us 7 days a week! N26 You customers can call our dedicated customer support line, or chat with us in the app.
Say bye to fees
Use your Mastercard anywhere in the world—free! We don’t charge foreign transaction or ATM fees. So withdraw cash and use your card abroad without any worries.
Pack your bags, and take off
There’s no need to warn us. Lock and unlock your card, activate or deactivate payments abroad from your phone, and set withdrawal limits on-the-go.
Real-time banking
Get instant push notifications for each foreign currency transaction to keep a pulse on your vacation spending. Plus, we'll help you stay in budget by instantly converting your foreign payments into euros.
N26 Review: Why Every International Traveler Should Bank With N26 ?
"I’ve been using N26 for eight months now, and one particular word comes to mind when describing my experience: smooth. Over the course of these past eight months, I’ve saved nearly $1,000 in foreign exchange and ATM withdrawal fees, shed my bad habit of checking my bank balance daily and finally found financial peace of mind. "
— Jordan Bishop, Forbes (2017)
Explore the world with N26 You
N26 You offers hassle-free, personal banking experience that’s always by your side, no matter how far you roam. For only €9.90 per month.
What's next?
Open your bank account now and your card will be shortly on its way to you
1. Sign up
Hit the button above and enter your personal details in order to create your account.
2. Verify your identity
Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.
3. Your card is on its way
Your N26 Mastercard Debit will arrive within few days.
4. Enjoy your N26 account!
You're good to go! You can already top up your account and start using your virtual card.
*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.
***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.
** T&Cs: Promotion offered by N26 Bank GmbH, Rungestr. 22, 10179 Berlin, Germany. Promotion offer valid from 05.06.2021 until 09.07.2021. The promotion applies to new N26 Standard customers in Europe, who sign up to N26 Standard during the promotion period and may be used once per new N26 Standard customer. New N26 Standard customers may use the promotion code when upgrading to the N26 You premium bank account, which comes with a one-year term and may be cancelled at any time. Once the promotion code is activated, the new N26 Standard customer becomes a N26 You customer and will be exempt from paying the monthly N26 You premium bank account fee (€9.90/month) for the first 12 months of their yearly subscription, beginning from the date of activation. The T&Cs of the N26 You premium bank account apply and can be accessed via the website n26.com/eu-eu. When the promotion ends after 12 months, the N26 You customer’s yearly subscription to N26 You will remain active, and the N26 You customer will therefore remain subject to the T&Cs of N26 You and the corresponding monthly fees (€9.90/month). If the customer cancels their N26 You membership during/after the promotional period in line with section 5.2 of the applicable N26 You T&Cs, the customer will be downgraded to the N26 Standard account as it is offered at the time the customer's cancellation is becoming effective.