A Mastercard debit card designed for you

All N26 bank cards are Mastercard debit cards that come with contactless NFC technology—even our bespoke-design metal Mastercard. Shop or withdraw money anywhere in the world, and keep your money safe with 3D Secure from Mastercard. Plus, add your card to Apple Pay or Google Pay to spend and save with confidence—right from your phone. Please note that we don’t currently offer credit cards with our accounts.

Maestro cards can only be used as debit cards, meaning they only have access to the funds on the owner’s bank account. A Mastercard, on the other hand, can be issued as a debit card or a as a credit card, where purchases made on the card are billed to the customer at the end of the month. Mastercard also offers prepaid cards, where customers can add funds to the card without connecting it to their bank account.

If you’re a premium customer, your N26 Mastercard is included with your membership. Simply open a bank account in minutes, and pick your favorite color. The free N26 Standard bank account comes with a virtual card—simply add it to your mobile wallet to pay in stores, online or in-apps from your smartphone. You can also order a physical Mastercard to use with your bank account for a one-off €10 delivery fee.

All Mastercards are not created equal, and the features included in a Mastercard depend on the issuing bank. Some banks issue Mastercard credit cards, while others offer Mastercard debit cards. At some banks, cash withdrawals above a certain amount are subject to a fee—and there are also banks that don’t offer Mastercards with a German IBAN, but rather with a foreign one. If you choose to get an N26 debit Mastercard, you’ll benefit from a German IBAN, free payments worldwide, and 3D Secure technology for safe online payments.

A debit Mastercard can be used for various things. Use it to pay online, in-app or in stores—or use it to withdraw cash from ATMs. If your debit Mastercard comes with NFC technology, you can also use it for contactless payments. At some banks, you can also link your debit Mastercard to Apple Pay or Google Pay in order to pay with your smartphone—which comes in handy if you forgot your card at home.

Mastercard and Visa are both payment networks. They don’t, however, issue cards—only a bank can do that. Mastercard and Visa cards don’t differ much on their own and are accepted by most merchants, but the kind of card you have can differ when it comes to your APR, perks and benefits, and more, depending on your bank account.

In short, no. A bank can issue Mastercards either as a debit card or as a credit card. As a credit card holder, you'll be billed for purchases made with the card at the end of the month. A debit card, however, is linked to your checking account and the money is withdrawn as soon as you make a purchase. Mastercard also offers prepaid cards that aren’t linked to your bank account—simply top them up with funds when you need to use them.

A Mastercard Gold offers a number of advantages compared to a Mastercard Standard. These can range from additional insurances such as purchase insurance or a higher limit for cash withdrawals. The exact features are determined by the issuing bank.

Mastercard Platinum is Mastercard’s premium product, which offers you even more benefits than Mastercard Gold. The included benefits ranging from extensive insurance benefits to the concierge service, which supports you when planning and booking trips. However, before you order your Mastercard Platinum, you should find out which services the issuing bank offers, as they may differ.

A World Mastercard is a card that comes with services such as security features, travel benefits and access to 24/7 service hotlines. However, as with other cards, the precise features will vary depending on which bank issues the card.

The World Elite Mastercard is a premium credit card that offers numerous benefits to its card holders. Whether it's comprehensive insurance benefits, free access to airport lounges, or a concierge service for travel and business—if you have the privilege to own a World Elite Mastercard, you can benefit from many exclusive perks.