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

On N26's secure site

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Debit card N26 Mastercard

Card review

N26 Smart

3.7 3.7 out of 5 7.4/10 DebitCue Score Verified

Smarter banking with up to 6 virtual cards and sub-accounts

Fee
€4.9 EUR/mo (≈ $5)
Foreign fee
None
Rewards
None

Our verdict

What stands out, and where it falls short.

What we like

  • No foreign transaction fees

Worth weighing

  • €4.9 EUR/mo (≈ $5) card fee
  • No rewards programme

Who It Is For

Whether the N26 Smart fits how you actually spend.

Pick it if you are

  • Frequent travelers

Skip it if you are

  • Light spenders who won't beat the €4.9 EUR/mo (≈ $5) fee
  • Rewards-chasers

Rates and fees

As of

All amounts shown in EUR.

Card fee
€4.9 EUR/mo (≈ $5)
Foreign transaction fee
None
Eurozone ATM withdrawals
3 free per month; €2 per additional withdrawal
Non-eurozone ATM fee
1.7% of withdrawal amount
Card payments abroad
Free worldwide
Savings interest (Instant Savings)
0.30% p.a. (from June 2025; select EU countries only)

Rewards and features

Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Virtual cards
Up to 6 free virtual cards, each with unique card number
Spaces sub-accounts
Up to 10 Spaces with individual IBANs; Shared Spaces supported
Under-18 cards
Up to 2 child cards included free

N26 Smart: your questions answered

How much does the N26 Smart cost?
The N26 Smart costs €4.9 EUR/mo (≈ $5).
Does the N26 Smart charge foreign transaction fees?
No - the N26 Smart has no foreign transaction fees, so it suits spending abroad.
Is the N26 Smart a credit, debit or prepaid card?
The N26 Smart is a debit card issued by N26 on the Mastercard network.
Does the N26 Smart support Apple Pay and Google Pay?
Yes - the N26 Smart works with both Apple Pay and Google Pay.
Where can I get the N26 Smart?
The N26 Smart is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the N26 Smart?
DebitCue rates the N26 Smart 3.7 out of 5 (7.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the N26 Smart?
Use the Apply now button to continue on N26's secure site. Comparing and applying through DebitCue is free.

Before you decide

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