Skip to content
Expat Money

N26 Mastercard

N26 · mastercard · Debit card

Apply with N26
N26 Mastercard card
Monthly fee
€0No annual fee
Foreign transaction fee
1.70%on non-euro spending
BKR check
Not statedregistration not stated
Income needed
Not statedas stated by the issuer

Not yet confirmed by our daily rate check, so we don’t rank it. Check the provider’s site before you apply.

Checked against N26’s own pages on 4 October 2026: card type; fee; foreign fee; who can apply. Terms change: check them there before you apply.

About this card

Free debit Mastercard from German neobank N26. Excellent app, no foreign transaction fees in eurozone. Great for everyday spending and travel within Europe.

Debit card: no credit line, it spends your own balance. All N26 cards are Mastercard debit cards.

Best for: Free, Digital, Expats

Pros and cons

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

All fees and limits

Monthly fee
€0
Fee conditions
€0 on the Standard plan; a physical card costs a one-off €10.
Foreign transaction fee
1.70%
Foreign fee conditions
Card payments are free in any currency; non-euro ATM withdrawals cost 1.7% on Standard and Smart.
Credit limit
No credit line
Interest-free period
Not applicable

Everyday use

Card network
mastercard
Daily ATM withdrawal limit
€2,500
ATM fees
3-5 free/month, then €2
Contactless payments
Supported
Apple Pay
Supported
Google Pay
Supported
Choose your PIN
Yes
Max cards per account
1
Free replacement card
No

Insurance

Purchase protection
Not included
Travel insurance
Not included
Flight delay insurance
Not included
Baggage insurance
Not included
Car rental insurance
Not included
Cancellation insurance
Not included
Medical insurance
Not included
Legal assistance
Not included
Fraud protection
Included
24h helpline
Not available

Requirements

Card type
Debit card: no credit line, it spends your own balanceNot re-confirmed since 4 October 2026: check with the provider before you apply.
Minimum income
Not stated by the issuer
BKR checked when you apply
Not stated
Card registered at BKR
Not stated
BSN
Not stated by N26.
Who can apply
You must live in a country N26 serves; the Netherlands is one.Not re-confirmed since 4 October 2026: check with the provider before you apply.
Delivery time
5 business days

How to apply

  1. 1Gather your documentsHave a valid ID or passport and proof of your address in the Netherlands ready.
  2. 2Start the applicationVisit N26's website and fill in the online application form. This typically takes 5–10 minutes.
  3. 3Identity verificationYour identity will be verified. The issuer doesn’t say whether it checks BKR; it doesn’t say whether the card is registered.
  4. 4Receive your cardYour card will arrive within 5 business days by post. Activate it online or via the app.
Apply with N26

Other cards

Other credit cards
CardMonthly feeForeign feeBKR checkIncome needed
ANWB Visa ClassicANWB · Charge cardCard type not re-confirmed
€2.502.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
ABN AMRO Credit CardABN AMRO · Charge cardCard type not re-confirmed
€2.552.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
ING CreditcardING · Charge cardNot yet verifiedCard type not re-confirmed
€2.002.00%Yesnot registerednot re-confirmed€500 a monthnot re-confirmed

Guides