What does the N26 Standard cost per year?

The N26 Standard has no annual fee on a permanent basis — there are no fixed yearly costs.

Does the N26 Standard charge foreign currency fees?

No. With the N26 Standard you pay no foreign currency fee worldwide.

Does the N26 Standard require a SCHUFA check?

Yes, N26 runs a SCHUFA credit check for the N26 Standard; a negative SCHUFA record can lead to rejection.

How is money on the N26 Standard protected?

Statutory deposit guarantee Germany (Entschädigungseinrichtung deutscher Banken GmbH, EdB), up to €100,000. No voluntary BdB fund membership.

N26 Standard

Free mobile account with debit card and a German IBAN.

Score: 8.5 / 10 · Very good

Rating: 7.4 / 10 · 8.910 reviews

Best for: Mobile banking

Overview

The N26 Standard is a debit card from N26 on the Mastercard network. Free mobile account with debit card and a German IBAN. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.

Who is it for?

The card is particularly suited to mobile banking. 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: 8.5 / 10 · Very good

Costs (30 %)	10.0 / 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 %)	7.8 / 10

Our rating methodology

Highlights

€0 annual fee
No foreign currency fee on payments
Fully mobile banking
German IBAN

Costs & Fees

Annual fee	0 €
Welcome bonus	—
Eff. annual interest	—
Type	Debit card
Network	Mastercard
Issuer	N26

There is no annual fee. 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: Free Credit Cards · Debit Credit Cards · Student Credit Cards · Mastercard Credit Cards Compared

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Frequently asked questions

What does the N26 Standard cost per year?: The N26 Standard has no annual fee on a permanent basis — there are no fixed yearly costs.
Does the N26 Standard charge foreign currency fees?: No. With the N26 Standard you pay no foreign currency fee worldwide.
Is the N26 Standard a genuine credit card?: The N26 Standard is a debit card — transactions are debited directly from your account.
Does the N26 Standard require a SCHUFA check?: Yes, N26 runs a SCHUFA credit check for the N26 Standard; a negative SCHUFA record can lead to rejection.
How is money on the N26 Standard protected?: Statutory deposit guarantee Germany (Entschädigungseinrichtung deutscher Banken GmbH, EdB), up to €100,000. No voluntary BdB fund membership.