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 €58.80. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: 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
- 3 free euro withdrawals per month, then €2
Costs & Fees
| Annual fee | €58.80 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Mastercard |
| Issuer | N26 |
The annual fee is €58.80. You pay no surcharge abroad or in foreign currency. A fee of 1.7 % applies to cash abroad. In Germany, cash withdrawals cost €2 per withdrawal (3 withdrawals/month free). 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
Related guides: Using a credit card abroad: how to avoid fees · Virtual credit cards, Apple Pay & Google Pay · Rental car deposits with a credit card
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- DKB Visa Debit Card – Popular debit card with the DKB account — free for active customers.
- Klarna Card – Free Visa debit card with no foreign currency fee, ideal for online shopping.
Frequently asked questions
- What does the N26 Smart cost per year?
- The N26 Smart costs €58.80 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.