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Apply on official site ↗You'll be taken to N26's secure website.
⚖ Add to comparisonN26 · Mastercard
N26 You
Pick N26 You if you want free foreign spending plus travel insurance without jumping to a metal card. As of 2026 the monthly fee runs around EUR 9.90 (roughly EUR 118 a year), so on a EUR 2,000 holiday it pays for itself only if you'd otherwise lose 1.5-2% in FX fees elsewhere; the cheaper free N26 Standard also waives card-payment FX fees, so You really earns its keep on the insurance, not the spending. Skip it if you rarely travel or already hold a separate travel policy. Confirm current fees and cover limits on n26.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Card payments in any currency with no limit and no fee
- ✓Travel insurance bundle covering medical care and trips
- ✓Euro ATM withdrawals free up to 5 times each month
- ✓Allianz-backed cover for travel and delayed flights
👍 Pros
- + Sign-up handled entirely in the app within minutes
- + Good travel cover relative to what you pay
- + Several Spaces sub-accounts to organise your money
👎 Cons
- – The monthly membership cost mounts up across a year
- – The top perks sit on the paid plan, not the free account
Can you get it?
- ▸Live in Germany or another supported EU country
- ▸Government-issued ID for the video check
- ▸At least 18 years old
- ▸Clear N26's identity and SCHUFA checks
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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