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

On N26's secure site

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Debit card N26 Mastercard

Card review

N26 Standard

4.2 4.2 out of 5 8.4/10 DebitCue Score Verified

Free mobile banking with no monthly fees

Fee
No fee
Foreign fee
None
Rewards
None

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee
  • No foreign transaction fees

Worth weighing

  • No rewards programme

Who It Is For

Whether the N26 Standard fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers

Skip it if you are

  • Rewards-chasers

Rates and fees

As of

All amounts shown in EUR.

Card fee
No fee
Foreign transaction fee
None
Eurozone ATM withdrawals
2 free per month; €2 per additional withdrawal
Non-eurozone ATM fee
1.7% of withdrawal amount
Card payments abroad
Free worldwide (no foreign transaction fee)
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
Physical card
Optional; one-time €10 fee for transparent Mastercard
Virtual cards
1 free virtual card included; additional virtual cards €2.59 each

Eligibility

What you need before you apply.

Minimum age
18 years
Residency
Must reside in a supported European country

N26 Standard: your questions answered

Does the N26 Standard have a card fee?
No - the N26 Standard has no card fee.
Does the N26 Standard charge foreign transaction fees?
No - the N26 Standard has no foreign transaction fees, so it suits spending abroad.
Is the N26 Standard a credit, debit or prepaid card?
The N26 Standard is a debit card issued by N26 on the Mastercard network.
Does the N26 Standard support Apple Pay and Google Pay?
Yes - the N26 Standard works with both Apple Pay and Google Pay.
Where can I get the N26 Standard?
The N26 Standard is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the N26 Standard?
DebitCue rates the N26 Standard 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the N26 Standard?
Use the Apply now button to continue on N26's secure site. Comparing and applying through DebitCue is free.

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