N26 Credit Cards Compared 2026

N26 is a mobile bank that provides a current account and card entirely via a smartphone app. The offering is structured into several account tiers, each with an assigned card – from a free basic account to tiers with an extended range of benefits. The key selection factors are the account fee, the conditions abroad and the included extras. In this comparison we present the N26 cards with their respective conditions transparently so you can find the tier that suits you.

Who is it for?

For anyone who wants to manage their account and card via app and is looking for the right N26 tier.

What to look out for

• Account fee of the respective tier
• Conditions for payments and withdrawals abroad
• Included extras (e.g. insurance)
• Card type (credit, debit or prepaid function)
• Limits and availability in the desired country

Recommendations compared

1. N26 Standard – Free mobile account with debit card and a German IBAN. Score: 8.5/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 7.4/10
2. N26 Go – N26 travel card with insurance and unlimited free withdrawals worldwide for under €10/month. Score: 7.7/10 (Good) · Annual fee: 118,8 € · Bonus: — · Rating: 7.9/10
3. N26 Metal – Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals. Score: 7.3/10 (Good) · Annual fee: 202,8 € · Bonus: — · Rating: 8.0/10
4. N26 Smart – Affordable N26 tier with a German IBAN, a free physical card and up to 6 virtual cards. Score: 7.0/10 (Good) · Annual fee: 58,8 € · Bonus: — · Rating: 7.8/10

All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive. No affiliate links.

Related guides: The 4 types of credit cards at a glance · What costs does a credit card incur?

Frequently asked questions

Which cards does N26 offer?

N26 offers an assigned card per account tier; the tiers differ in fee and scope of benefits. Which cards are currently comparable is shown in the overview on this page.

Is an N26 card a real credit card?

That depends on the specific product – different card types are offered depending on the tier. Whether it is a credit, debit or prepaid function is indicated for each card in the comparison.

Which card suits you best?

Use your personal usage profile to calculate the real annual cost of every card.