Save money using your debit card abroad with N26 (2024)

FAQs

Can I use my N26 card internationally? ›

At N26, all account holders can make card payments overseas for free, with no foreign transaction fees on top. Bank account with travel insurance N26 You and premium account N26 Metal members can also make unlimited ATM cash withdrawals in any currency for free.

As a result, our product will no longer be available to customers in the US after January 18, 2022, and we will be closing all accounts. No other markets in which N26 operates will be impacted.

**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. The offer is provided under the German law.

Travelers electing to use debit card funds should note paying with the card is typically cheaper than withdrawing money from it. Users avoid ATM fees and can still collect points and credits for enrolled reward programs. Before a merchant takes payment, they may ask whether the buyer wants to pay in the local currency.

At N26, all our accounts feature free card payments worldwide — as often as you like and with no foreign transaction fees. N26 You and Metal account holders can withdraw cash for free at foreign ATMs, while customers with Standard and Smart accounts are charged a fixed 1.7% conversion fee on the withdrawal amount.

N26 doesn't hide fees or add a foreign exchange rate. We also don't tack on extra charges for rare currencies or for paying on the weekend. Spend abroad and benefit from Mastercard's real exchange rate.

Limited services. N26 is good for everyday banking, but it does not offer many investing options. If you want to invest your money, get a fancy credit card or get a mortgage, you need a traditional bank like Commerzbank, Deutsche Bank or Berliner Sparkasse. You don't need to have one bank for everything.

How much do SWIFT-transfers cost? Incoming transfers of €150 and above, will be charged with a 12.50€ fee + 0.1% on the amount received. No fees apply to incoming transfers lower than €150. The maximum fee is €100 per transaction.

Top up at N26 with a debit or credit card

card. Just tap 'Add Money,' in your N26 app, select 'Apple Pay' or 'Google Pay,' and follow the prompts. Again, add between €20 and €150 per top up, up to €450 per month.

What is the maximum daily withdrawal from N26? ›

Cash withdrawal: limits and amounts

Always be aware of your bank's withdrawal limit, especially if the money you need exceeds that amount. For N26 customers, the maximum withdrawal limit from an ATM is €1,000 daily for most countries. You can also lower the withdrawal limit in your smartphone app.

Get more with N26 Metal

N26 Metal customers earn 3% NIR (2.8% AER)* interest on Instant Savings — our highest interest rate.

There may be additional charges from cash machines or banks when you withdraw money abroad or in a foreign currency. Check before you make the transaction.

One way to avoid ATM or transaction fees is to pay for a trip in cash. Travelers can exchange U.S. dollars for most major currencies at a bank, credit union or currency exchange store before a big trip. This may be a good idea if it's easy to budget how much will be spent on dining or souvenir purchases.

We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden & ...

International money transfers with N26

Just a few taps in your N26 app, and your money arrives in 35+ countries with no hidden fees. N26 doesn't charge anything extra for this service.

Your card should work overseas anywhere that Visa is accepted. Since merchants in some countries don't accept tap and pay to authorise transactions, make sure you know your PIN.

Visa Debit cards work like cash, only better. They are issued by your bank or other financial institution, and use funds directly from your bank account. Accepted worldwide, Visa Debit cards offer quick, secure and convenient access to your money in person, online, overseas and over the phone.