N26 Go
N26 travel card with insurance and unlimited free withdrawals outside the eurozone for under €10/month.
Score: 7.4 / 10 · Good
Rating: 7.9 / 10 · 2.600 reviews
Best for: Travel with a German IBAN
Overview
The N26 Go is a debit card from N26 on the Mastercard network. N26 travel card with insurance and unlimited free withdrawals outside the eurozone for under €10/month. The annual fee is €118.80. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Travel with a German IBAN. Its strengths lie in travel and use abroad, included travel insurance and mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 7.4 / 10 · Good
| Costs (30 %) | 2.7 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 7.0 / 10 |
| Community signal (12 %) | 8.1 / 10 |
Highlights
- German IBAN
- Travel insurance package included
- Unlimited free withdrawals outside the eurozone
- 0% foreign currency fee worldwide
Costs & Fees
| Annual fee | €118.80 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Mastercard |
| Issuer | N26 |
The annual fee is €118.80. You pay no surcharge abroad or in foreign currency. Cash withdrawals abroad are free of charge. In Germany, cash withdrawals cost €2 per withdrawal (5 withdrawals/month free). Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Travel Credit Cards · Debit Credit Cards · Credit Cards With Insurance · Mastercard Credit Cards Compared
Related guides: Rental car deposits with a credit card · Credit card travel insurance: what's covered · Foreign fee study 2026: what credit cards cost abroad
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Frequently asked questions
- What does the N26 Go cost per year?
- The N26 Go costs €118.80 per year.
- Does the N26 Go charge foreign currency fees?
- No. With the N26 Go you pay no foreign currency fee worldwide.
- Is the N26 Go a genuine credit card?
- The N26 Go is a debit card — transactions are debited directly from your account.
- Does the N26 Go include travel insurance?
- Yes, the N26 Go includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the N26 Go require a SCHUFA check?
- Yes, N26 runs a SCHUFA credit check for the N26 Go; a negative SCHUFA record can lead to rejection.
- How is money on the N26 Go protected?
- Statutory deposit guarantee Germany (Entschädigungseinrichtung deutscher Banken GmbH, EdB), up to €100,000. No voluntary BdB fund membership.