Product Overview

Mastercard – N26


Apple Pay logo   German banks that support Google Pay

As part of the so-called FinTech industry, N26 aims to digitalise your banking completely. However, it has recently received less favourable reviews. Please read our overview of different credit card and bank account providers in Germany.

N26 has their own app and is mobile-first. Unfortunately, N26 does not have any branches or physical locations. Their customer support is only online or via phone. The Metal Account is N26’s premium account and costs €16.90 per month. You can also choose the free account, which is available for €0 monthly maintenance fee.

N26 also offers business accounts(e.g. for freelancers) and N26 You (international account with travel insurance).

  • Supports Google Pay and Apple Pay
  • Free German bank account in English language included
  • Free Mastercard debit card
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Foreign Currency Payment

No fee

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Money transfers in app

N26 is a newcomer in Germany. As part of the so-called FinTech industry, it aims to digitalise your banking completely. See this overview of free German Credit Cards for more options.

You are able to control everything through your personal app on your smartphone, for example set your daily payment and withdrawal limits. You are also able to instantly block your card through the app, if it’s lost or stolen.

As an added security layer, you can log in using your fingerprint and you can enable push notifications on all account activity. Furthermore, money transfers can be made in-app.

black and silver mastercard


When abroad, you will not pay any foreign transaction fee for any purchases. You can withdraw Euro in foreign countries for free, withdrawing money in a foreign currency is only free with the N26 Black or Metal account.

If you are wondering wether VISA, Mastercard or American Express will give you the best currency exchange rate when shopping in a foreign currency, then read our study here.

N26 recently introduced stylish metal cards, which are exclusively available for the Metal Account. The Metal Account is N26’s premium account and costs €16.90 per month.


black rose gold spacegrey credit card style