N26 Smart
Affordable N26 tier with a German IBAN, a free physical card and up to 6 virtual cards.
Score: 7.0 / 10 · Good
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 and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to digital account. Its strengths lie in payments in foreign currency 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: 7.0 / 10 · Good
| Costs (30 %) | 4.3 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 5.4 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 3.6 / 10 |
| Community signal (12 %) | 8.2 / 10 |
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. You pay no surcharge abroad or in foreign currency. A fee of 1.7 % applies to cash worldwide. Billing: Immediate deduction from the current account on each payment.
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This card in our comparisons: Debit Credit Cards · Mastercard Credit Cards Compared · Credit Cards Without Foreign Transaction Fees Compared · N26 Credit Cards Compared
Similar credit cards
- Trade Republic Card – Debit card for the Trade Republic account with 1% Saveback into your savings plan.
- C24 Smart Debit Card – Free debit card with the C24 Smart account and fee-free payments worldwide.
- DKB Visa Debit Card – Popular debit card with the DKB account — free for active customers.
- Consors Visa Debit – Free debit card with the Consorsbank account and a German IBAN.
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?
- No. With the N26 Smart you pay no foreign currency fee worldwide.
- Is the N26 Smart a genuine credit card?
- The N26 Smart is a debit card — transactions are debited directly from your account.
- Does the N26 Smart require a SCHUFA check?
- Yes, N26 runs a SCHUFA credit check for the N26 Smart; a negative SCHUFA record can lead to rejection.
- How is money on the N26 Smart protected?
- Statutory deposit guarantee Germany (Entschädigungseinrichtung deutscher Banken GmbH, EdB), up to €100,000. No voluntary BdB fund membership.