Which cards does N26 offer?

N26 offers an assigned card per account tier; the tiers differ in fee and scope of benefits. Currently included in our comparison: N26 Standard, N26 Go, N26 Metal and N26 Smart. The conditions of each card are shown in the overview on this page.

Is an N26 card a real credit card?

That depends on the product. In our comparison: 4 debit cards. A debit card takes payments straight from your account; a genuine credit card has a credit line that you settle later. The card type is shown for each card in the comparison.

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

At a glance

Cards compared: 4
Card types: 4 debit cards
No annual fee: 1 of 4; otherwise €58.80 to €202.80 per year
No foreign transaction fee: 4 of 4
With revolving credit option: 0 of 4
With travel insurance: 2 of 4
No SCHUFA check: 0 of 4

Calculated automatically from the current card data in this comparison.

Recommendations compared

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
N26 Go – N26 travel card with insurance and unlimited free withdrawals outside the eurozone for under €10/month. Score: 7.4/10 (Good) · Annual fee: €118.80 · Bonus: — · Rating: 7.9/10
N26 Metal – Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals outside the eurozone. Score: 7.3/10 (Good) · Annual fee: €202.80 · Bonus: — · Rating: 8.0/10
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: €58.80 · Bonus: — · Rating: 7.8/10

All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive.

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. Currently included in our comparison: N26 Standard, N26 Go, N26 Metal and N26 Smart. The conditions of each card are shown in the overview on this page.
Is an N26 card a real credit card?: That depends on the product. In our comparison: 4 debit cards. A debit card takes payments straight from your account; a genuine credit card has a credit line that you settle later. The card type is shown 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.

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