This post compiles all of N26’s fees in one place for your convenience. You can compare fees across N26’s different account types, learn about new fees you may not be familiar with, and make plans for how to avoid fees in the future.
Overall, N26’s fees are very reasonable and perfectly justified. It’s just one of the reasons we believe N26 is the best online bank for most people.
What Is N26?
Put simply, N26 is the best online bank for most people.
N26 offers a host of great features, including:
- Free worldwide ATM withdrawals: Wherever you are in the world, N26 Black and N26 Metal members can withdraw from any ATM at the inter-bank exchange rate with zero fees, as if you’re still at home.
- Free international money transfers: Send an unlimited number of money transfers to friends, colleagues, suppliers, customers–all for free.
- An extremely powerful app: Toggle online payments and spending limits, reset your PIN, pay with Apple Pay and Google Pay, receive real-time transaction notifications, and a lot more–all in the N26 app.
- Medical expenses up to an unlimited amount.
- Travel cancellation insurance up to €5,000 per trip.
- Flight and luggage delay insurance up to €400.
- Stolen cash insurance up to €500.
- Stolen mobile phone insurance up to €300.
- Extended warranty on purchases up to €500.
There’s a lot more to the N26 insurance policy than that–including why we recommend combining N26 with SafetyWing for the ultimate travel & medical insurance combination–but this gives you a good idea of what N26 is all about.
Now that you know the basics of N26, let’s dive deeper into the features that come with each of the five different N26 accounts. After that, we’ll explore their fees.
N26 Features Comparison
These are the additional benefits you can expect from each level of N26 membership. We’ve removed the Maestro card from this list, since its benefits match whatever membership the user has (N26 Black, N26 Metal, etc.).
|N26 Standard||N26 Black||N26 Metal||N26 Business||N26 Business Black|
|Travel & Medical Insurance||✔||✔||✔|
|Mobile Phone Theft Insurance||✔||✔||✔|
|Access to MasterCard World Elite Benefits||✔||✔||✔|
|Cashback on Purchases||✔||✔|
|Dedicated Customer Support||✔|
Fees For All N26 Users
These are the fees that every N26 user, regardless of their membership level, can expect.
|Foreign Currency Transactions||Free|
|MoneyBeam Instant Bank Transfers||Free|
|Cash26 Withdrawals (read more here)||Free. Limited to €999 per 24 hours (€200 per withdrawal). Only available in Germany and Austria.|
|Cash26 Deposits||First €100 per month is free, then 1.5%. Only available in Germany.|
|Overdraft||8.9% per annum.|
Many of N26’s fees vary depending on your membership level, so this chart shows the differences between them. Blank cells mean there’s no fee.
|N26 Standard||N26 Black||N26 Metal||N26 Business||N26 Business Black||N26 Maestro Card|
|Foreign Currency Transaction Fee|
|Euro ATM Withdrawals||€2|
|Foreign ATM Withdrawals||1.7%||1.7%||€2 + 1.7%|
N26 Card Delivery Fees
Every N26 card defaults to free delivery, which takes 3-5 business days, but there are a few cases in which you’ll pay extra for delivery.
|Replacement MasterCard or Maestro||€6|
|Replacement N26 Metal Card||€45|
|Express Card Delivery (1-3 business days)||€25|
Less Common N26 Fees
Here are some of the less common fees and services that N26 offers. Keep in mind that 99.9% of people will never incur these fees. For example, you’d only ever encounter the emergency cash advance fee if you lost your N26 card while abroad and desperately needed cash with no other way to get it. If you aren’t already traveling with a backup card, start doing that now.
|Receiving a credit note||Free|
|Valid refusal of receiving a debit note||Free|
|Refusal of direct debit due to insufficient funds||€3 per refusal|
|Emergency Cash Advance||€130|
Despite the complex-looking charts above, N26’s fee structure is actually very simple: nearly everything–including instant bank transfers and foreign currency transactions–is free. The only day-to-day fee you’re likely to encounter are the ATM withdrawal fees on the standard account, though if you upgrade to N26 Black or N26 Metal, those are waived, too.
For exclusive access to all of our recommended financial products for frequent travelers and digital nomads, join our email list at the bottom of this post. We don’t send any spam–just relevant, impactful information to make your financial life on the road easier and better.
Also, since so many of you have been asking us for them, here's our full list of country-specific posts outlining how to ship anything from Amazon to any country in the world. Our 2-step method makes it as simple as humanly possible, and takes about 3 minutes total: Austria, Bahrain, Belgium, China, Cyprus, Denmark, Finland, Greece, Hong Kong, Hungary, Indonesia, Israel, Kuwait, Japan, Malaysia, New Zealand, Norway, Oman, Philippines, Poland, Portugal, Qatar, Russia, Saudi Arabia, Singapore, South Africa, South Korea, Sweden, Switzerland, Taiwan, Thailand, Turkey, Asia as a whole, Europe as a whole and the United Arab Emirates.
While you're at it, international travelers should read our N26 review for the best way to get free ATM withdrawals the best rates on currency conversion - anywhere in the world.