Discover the Benefits of the N26 Credit Card and How to Apply

The N26 Credit Card gives you a modern and straightforward way to manage your money directly from your phone.

It’s built for people who prefer fast, transparent, and digital banking without hidden fees.

In this guide, you’ll learn about its main benefits and how you can easily apply online.

About N26 Bank

N26 Bank is a digital bank founded in Germany, focused on offering simple and transparent online banking services.

It operates mainly across Europe, providing accounts and cards that you can manage entirely through its mobile app.

The bank is licensed under the European Central Bank, ensuring your money stays protected and regulated.

The N26 Credit Card gives you fast, digital access to your funds and modern banking tools.

It’s built for transparency and global use. Here are its main benefits you should know.
No foreign transaction fees when you pay abroad (for specific plans).
Free or reduced-fee ATM withdrawals overseas (depending on card tier).
Real-time spending notifications via the mobile app so you’re always aware of your transactions.
Easy card control: you can lock/unlock your card, set limits, and manage settings from the app.
Travel-related perks include insurance, lounge access, and cashback on travel (on premium tiers).
Transparent fees: many card tiers come with minimal or no annual fees, and their terms are upfront.

N26 offers several account tiers, each with its own card features and benefits.

Your choice of tier decides your card’s perks, fees, and travel benefits. Here are the main N26 card types.

N26 Standard – Free tier. Includes a virtual (and optionally physical) debit card. Suitable for basic banking.
N26 Smart – Mid-tier paid plan. Includes a physical debit card in multiple colours and enhanced features.
N26 Go – Travel-and-mobility focused paid plan. Includes debit card, travel benefits, and free global payments/withdrawals (in many cases).
N26 Metal – Premium tier. Metal debit card, top perks (travel, insurance, withdrawals).

You need to know the key costs and rates before choosing your N26 plan.

These include monthly fees, ATM withdrawal charges, foreign transaction fees, and interest rates. Below are what you should watch for.

Monthly account fees: Standard = €0, Smart ≈ €4.90/month, Go ≈ €9.90/month, Metal ≈ €16.90/month.
ATM withdrawal abroad: For Standard/Smart: 1.7% of the withdrawal amount. For Go/Metal: free in many cases.
Foreign transaction fees: Some plans report no markup when paying abroad, while others charge a 1.7% fee for cash withdrawals in foreign currency.
Interest rates on loan products (if applicable): From ~4.06% p.a. for personal loans.
Interest on savings/deposits (Instant Savings): Varies by plan (e.g., 1.50% p.a. for Metal, 0.25% for Standard/Smart in some regions).

Applying for N26 is fast and fully mobile. You’ll complete it in your app with little paperwork. Below are the steps you’ll take.

Download the N26 app or visit the website to begin registration.
Enter your personal details (name, date of birth, address, email) and choose your preferred plan.
Verify your identity using your valid ID and a video call or photo-based check.
Pair your smartphone as your secure access device (link your phone number, set up app login).
After approval, top up your account and either activate your virtual card immediately or wait for the physical card to arrive.

Before applying, make sure you meet the basic conditions. These ensure your account can be opened and verified quickly.

Your account comes with built-in protection features to keep your money and data safe.

These tools let you stay in control and respond quickly if something’s off. Below are the main security features you should use.

Two-factor authentication (2FA): You must verify with your password or biometrics when logging in.
Biometric login (fingerprint or facial recognition) on your device.
Real-time push notifications for every card transaction.
Ability to lock/unlock your card instantly within the app.
Ability to disable certain payment types (online payments, contactless, ATM withdrawals) or set spending limits.
3-D Secure protection for online payments (adds extra verification before a payment is processed).
Single-paired device requirement: your account is linked to one smartphone, which adds an extra layer of access control.
Deposit protection up to €100,000 under the bank’s regulatory framework (in applicable regions) to protect your funds.

Here are the key mobile-app features that make the banking experience smoother, more transparent, and more convenient.

Real-time transaction notifications so you see card payments instantly.
“Spaces” sub-accounts to organise money for goals, give them names or colours, and link cards.
Ability to lock/unlock your card, enable/disable payment types (online, contactless, ATM) directly in the app.
Budgeting tools, including spending insights and category summaries of where your money goes.
Instant transfers to other users (even without full bank details) using a peer-to-peer feature.
Mobile wallet integration (Apple Pay / Google Pay) and contactless payments via the app’s linked card.
Savings and investments access: Create savings rounds, link cards to sub-accounts, and (in supported regions) invest in stocks or ETFs.

When you need help, use the in-app chat first. For emergencies like blocking a card, use the hotline below.

In-app live chat (preferred): Verified, identity-checked support daily 07:00–23:00 CET, including Sundays and holidays.
Web chat (no app access): Start a visitor chat from the Support site if you can’t log in.
Emergency card block hotline: +44 2035 107126 or +49 303 6428 6881 (automated; English) if you can’t access the app/web.
Secure in-app Messages: Receive official notices and reply inside your account.
Email (when no account access): [email protected] for non-login situations.
Security help hub: Step-by-step guides for fraud, hacked accounts, and card issues.