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N26 Debit card
N26 Flex
No rewards
MASTERCARD
Apply for N26 Flex

On N26's secure site

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Debit card N26 Mastercard

Card review

N26 Flex

3.3 3.3 out of 5 6.6/10 DebitCue Score Verified

Basic mobile banking for customers who do not meet standard credit requirements

Fee
€8.9 EUR/mo (≈ $10)
Foreign fee
1.5%
Rewards
None

Our verdict

What stands out, and where it falls short.

Worth weighing

  • €8.9 EUR/mo (≈ $10) card fee
  • 1.5% foreign transaction fee
  • No rewards programme

Who It Is For

Whether the N26 Flex fits how you actually spend.

Skip it if you are

  • Light spenders who won't beat the €8.9 EUR/mo (≈ $10) fee
  • Frequent international travelers
  • Rewards-chasers

Rates and fees

As of

All amounts shown in EUR.

Card fee
€8.9 EUR/mo (≈ $10)
Foreign transaction fee
1.5%
ATM withdrawals
€2 per withdrawal (no free allowance)
Non-euro card purchases
1.5% transaction fee

Rewards and features

Pay with
Contactless
Digital wallets (Apple Pay / Google Pay)
Not supported

Eligibility

What you need before you apply.

Eligibility
Automatically offered to German applicants who do not meet standard SCHUFA credit requirements; cannot be requested directly
Upgrade path
Cannot be combined with or upgraded to Smart, Go, or Metal

N26 Flex: your questions answered

How much does the N26 Flex cost?
The N26 Flex costs €8.9 EUR/mo (≈ $10).
Does the N26 Flex charge foreign transaction fees?
Yes - the N26 Flex charges a 1.5% foreign transaction fee.
Is the N26 Flex a credit, debit or prepaid card?
The N26 Flex is a debit card issued by N26 on the Mastercard network.
Does the N26 Flex support Apple Pay and Google Pay?
The N26 Flex does not list Apple Pay or Google Pay support.
Where can I get the N26 Flex?
The N26 Flex is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the N26 Flex?
DebitCue rates the N26 Flex 3.3 out of 5 (6.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the N26 Flex?
Use the Apply now button to continue on N26's secure site. Comparing and applying through DebitCue is free.

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