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?
Our take: 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 |
Highlights
- €0 annual fee
- No foreign currency fee on payments
- 2 free euro withdrawals per month, then €2
- 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 abroad. In Germany, cash withdrawals cost €2 per withdrawal (2 withdrawals/month free). 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
Related guides: Foreign fee study 2026: what credit cards cost abroad · How to apply for a credit card in Germany · Types of credit cards in Germany explained
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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.