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N26 Debit card
N26 Go
Cash back
MASTERCARD
Apply for N26 Go

On N26's secure site

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Debit card N26 Mastercard

Card review

N26 Go

4.4 4.4 out of 5 8.8/10 DebitCue Score Verified

Travel-first banking with unlimited global ATM withdrawals and Allianz insurance

Fee
€9.9 EUR/mo (≈ $11)
Foreign fee
None
Rewards
Cash back
Rewards
1% cashback on card purchases made outside the EEA, Switzerland, and the UK (up to 12 months)

Our verdict

What stands out, and where it falls short.

What we like

  • 1% cashback on card purchases made outside the EEA,…
  • No foreign transaction fees
  • Airport lounge access
  • Travel insurance included

Worth weighing

  • €9.9 EUR/mo (≈ $11) card fee

Who It Is For

Whether the N26 Go fits how you actually spend.

Pick it if you are

  • Frequent travelers
  • People who want rewards on their spending
  • Travelers who value airport lounges

Skip it if you are

  • Light spenders who won't beat the €9.9 EUR/mo (≈ $11) fee

Rates and fees

As of

All amounts shown in EUR.

Card fee
€9.9 EUR/mo (≈ $11)
Foreign transaction fee
None
Eurozone ATM withdrawals
5 free per month; €2 per additional withdrawal
Non-eurozone ATM withdrawals
Unlimited free in local currency
Savings interest (Instant Savings)
0.50% p.a. (from June 2025; select EU countries only)
Ready-made Funds management fee
0.39% per year

Rewards and features

Rewards
1% cashback on card purchases made outside the EEA, Switzerland, and the UK (up to 12 months)
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Cashback eligibility
1% on qualifying transactions outside EEA, Switzerland, and UK; deposited monthly
Virtual cards
Up to 6 free virtual cards
Under-18 cards
Up to 2 child cards included free
Travel eSIM
Available for purchase in-app; data in 100+ countries

Benefits and perks

Extras that come bundled with the card.

  • Allianz Assistance travel insurance
    Trip cancellation up to €10,000, emergency medical up to €1,000,000, baggage up to €2,000, personal liability up to €500,000; covers account holder, spouse/cohabitant, and dependent children
  • No foreign transaction fee on card payments worldwide
    Zero markup on card purchases in any currency globally
  • Discounted DragonPass airport lounge access
    Access to 1,300+ lounges worldwide; first visit €15, subsequent visits €30 per pass

N26 Go: your questions answered

How much does the N26 Go cost?
The N26 Go costs €9.9 EUR/mo (≈ $11).
What rewards does the N26 Go earn?
The N26 Go earns 1% cashback on card purchases made outside the EEA, Switzerland, and the UK (up to 12 months).
Does the N26 Go charge foreign transaction fees?
No - the N26 Go has no foreign transaction fees, so it suits spending abroad.
Is the N26 Go a credit, debit or prepaid card?
The N26 Go is a debit card issued by N26 on the Mastercard network.
Does the N26 Go support Apple Pay and Google Pay?
Yes - the N26 Go works with both Apple Pay and Google Pay.
Where can I get the N26 Go?
The N26 Go is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the N26 Go?
DebitCue rates the N26 Go 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the N26 Go?
Use the Apply now button to continue on N26's secure site. Comparing and applying through DebitCue is free.

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