A debit card for everyday and travel

N26 You is a premium membership bank account that comes with a colorful debit card, travel insurance and cover for flight, luggage and curtailment delays as well as luggage loss. You’ll also get exclusive partner deals and free foreign currency ATM withdrawals worldwide. See T&C’s for full details and availability.

To open an N26 You account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.

For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.

You can open an N26 You account via the N26 app on your smartphone or the web app. You’re eligible if:

1. You’re at least 18 years old
2. You’re a resident of a supported country
3. You have a compatible smartphone
4. You don’t already have an account with us

You will also need to provide a supported ID document, applicable to the country you’re resident in.

The N26 You Mastercard is a debit card, which means all transactions occur in real-time and are directly debited from your N26 bank account when you make a purchase.

You’ll automatically receive your N26 Mastercard debit once you have opened your account and that your identity has been verified. You will be first asked to choose the color of your N26 You card, available in 5 colors—Ocean, Sand, Rhubarb, Aqua and Slate.

The N26 debit card will then be shipped to your home address with standard or express delivery.

An N26 You bank account costs €9.90 per month.

N26 You comes with an extensive insurance package, provided by Allianz Assistance. This includes coverage for travel and baggage delays, medical cover in case of emergencies abroad and much more.

We don’t charge an exchange rate fee if you pay with your Mastercard or withdraw cash in foreign currency.

N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.

N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.

With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.

If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.