N26 Smart
Affordable N26 tier with a German IBAN, a free physical card and up to 6 virtual cards.
Rating: 7.8 / 10 · 5.200 reviews
Best for: Digital account
Overview
The N26 Smart is a debit card from N26 on the Mastercard network. Affordable N26 tier with a German IBAN, a free physical card and up to 6 virtual cards. The annual fee is €58.8. A surcharge of 1.7 % applies to payments in foreign currency.
Who is it for?
The card is particularly suited to digital account. Its strengths lie in mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
Highlights
- German IBAN
- Up to 6 virtual cards
- Card payments in foreign currency without fee
- 5 card colours to choose from
Costs & Fees
| Annual fee | 58,8 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Mastercard |
| Issuer | N26 |
The annual fee is €58.8. Outside the euro area a 1.7 % foreign currency fee applies.
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This card in our comparisons: Debit Credit Cards
Similar credit cards
- Wise Debitkarte – Multi-currency debit card with a fair exchange rate — ideal for travel and foreign payments.
- Trade Republic Karte – Debit card for the Trade Republic account with 1% Saveback into your savings plan.
- ING Visa Card – Solid Visa debit card with the free ING checking account and a German IBAN.
- C24 Smart Debitkarte – Free debit card with the C24 Smart account and fee-free payments worldwide.
Frequently asked questions
- What does the N26 Smart cost per year?
- The N26 Smart costs €58.8 per year.
- Does the N26 Smart charge foreign currency fees?
- Yes. Outside the euro area the N26 Smart charges a 1.7 % foreign currency fee.
- Is the N26 Smart a genuine credit card?
- The N26 Smart is a debit card — transactions are debited directly from your account.