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N26 is a Berlin-based mobile-first bank founded in 2013 that became Europe's first fully-licensed digital bank (German banking license granted 2016). It serves millions of customers across Europe with a tiered debit Mastercard lineup — Standard (free), Smart, Go, and Metal — each bundling progressively richer travel insurance, ATM allowances, cashback, and investment features entirely within a smartphone app. N26 does not issue traditional revolving credit cards; all consumer cards are debit Mastercards linked directly to a current account.
Full lineup
Basic mobile banking for customers who do not meet standard credit requirements
Travel-first banking with unlimited global ATM withdrawals and Allianz insurance
Why we like it
Premium 16g stainless-steel Mastercard with comprehensive insurance and top savings rates
Why we like it
Smarter banking with up to 6 virtual cards and sub-accounts
Why we like it
Free mobile banking with no monthly fees
Why we like it
