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Free debit Mastercard from German neobank N26. Excellent app, no foreign transaction fees in eurozone. Great for everyday spending and travel within Europe.
Rates last verified: 27 February 2026
The verdict
What we like
- +No annual fee
- +No fees in eurozone
- +Excellent mobile app
- +Instant notifications
- +Free ATM withdrawals (limited)
What to consider
- -Debit card, not true credit
- -ATM withdrawal limits on free tier
- -1.7% fee outside eurozone
- -No rewards program
Financial details
Monthly fee€0
Foreign transaction fee1.7%
Credit limitNo credit line (debit)
Interest-free periodNot applicable
Banking features
Card networkmastercard
Daily ATM withdrawal limit€2,500
ATM fees3-5 free/month, then €2
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account1
Free replacement cardNo
Insurance coverage
Purchase protectionNot included
Travel insuranceNot included
Flight delay insuranceNot included
Baggage insuranceNot included
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceNot included
Legal assistanceNot included
Fraud protectionIncluded
24h helplineNot available
Requirements
BKR credit checkNot required
Delivery time5 business days
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
1
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income ready.
2
Start the application
Visit N26's website and fill in the online application form. This typically takes 5–10 minutes.
3
Identity verification
Your identity will be verified. No BKR credit check is needed for this card.
4
Receive your card
Your card will arrive within 5 business days by post. Activate it online or via the app.
Quick facts
Provider
N26
Tap to pay
Contactless ready