N26 You
A premium account for your daily needs and travel abroad—without the hidden fees. Open your bank account, and get an N26 debit card in your choice of color.
Open N26 You account
Start earning interest
No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 You customers get 2%* p.a. interest on their savings. Prefer 3%* p.a.? Choose N26 Metal.
More about the Instant Savings account
A Mastercard debit in a choice of colors
Get a contactless debit card in a choice of 5 colors—Ocean, Sand, Rhubarb, Aqua or Slate.
Open N26 You account
Manage your money with Spaces sub-accounts
Stay on top of your finances with 10 Spaces sub-accounts, each with its own IBAN. Easily pay bills via direct debit, set up standing orders for recurring payments, send SEPA bank transfers, and receive money—right in each sub-account.Keen to save instead? Instantly put money aside to a space from your main account to avoid spending it, or save together with up to 10 others in a Shared Space. To reach your goals even faster, turn on Round-Ups and save up the spare change whenever you pay by card.
Discover Spaces
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.
Read more
Take it further with N26 Perks
Enhancing your day-to-day, your N26 You bank account comes with selected offers and discounts from brand names like GetYourGuide and Hotels.com. Carefully curated with you and your personal lifestyle in mind, these N26 Perks are continuously evolving—just open your app to see what’s currently available to you.
Emergencies when travelling
The N26 You policy provides cover for you, your spouse and children in case of a medical emergency while traveling, with access to 24/7 medical phone assistance. This includes emergency dental insurance.
Baggage coverage and delay insurance
Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.
Travel delay and cancellation
We understand what it's like when when business trips don't go according to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
Fee-free ATM withdrawals, and foreign currency payments
With N26 You, you can wave goodbye to foreign transaction fees. Withdraw cash for free in any currency from ATMs around the globe, and pay using your Mastercard debit online and in stores—no hassle, no hidden fees. You’ll also benefit from the Mastercard exchange rate, without any sneaky markups.
N26 Metal – the new generation premium account
Discover our most premium banking experience with N26 Metal. Get an exclusively-designed stainless steel Mastercard, alongside benefits such as free withdrawals worldwide, a handy package of lifestyle and travel insurance and special partner discounts to suit your lifestyle. Need help? No problem! Our priority Customer Support is always on-hand to help.
Go premium with Metal
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.
Customer Support, here to help!
Need urgent support right away? Don’t worry—our Customer Support team is always on hand to help. You can reach our specialists directly via the N26 app, or the WebApp chat, or visit the Support Center to find a quick answer to your question.
Visit our Support Center
The world is at your fingertips
For €9.90 per month, open your N26 You account and get a shiny new Mastercard debit card. Make payments at home or abroad without hidden fees, while enjoying an extensive insurance package.
View plans
Open N26 You account
Frequently asked questions
What are the benefits of an N26 You account?
How do I open an N26 You bank account?
What do I need to open an N26 You bank account?
Is the N26 You Mastercard a debit or credit card?
How do I get a debit card?
How much does the N26 You bank account cost?
What kind of travel insurance does the N26 You bank account offer?
Do you charge foreign transaction fees?
What are the differences between the N26 You bank account and N26 Business You bank account?
What are Spaces sub-accounts, and how can I use them?
Related posts
These might also interest you
How much are you paying for foreign transaction fees and ATM withdrawals when using your card abroad? Read this article to learn more.
Taking personalized, premium banking to the next level, N26 You and Metal now come with even more exclusive discounts and offers.
Banking should fit around your life, not the other way around—this is how we do it.
How much are you paying for foreign transaction fees and ATM withdrawals when using your card abroad? Read this article to learn more.
Taking personalized, premium banking to the next level, N26 You and Metal now come with even more exclusive discounts and offers.
Banking should fit around your life, not the other way around—this is how we do it.
TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9.90/month. The settlement of the account is made monthly.*2% AER (2% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 300 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit. See conditions at https://n26.com**2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit.
