N26
by N26
German mobile bank with a free Standard account and paid plans (Smart, Go, Metal). Free euro ATM withdrawals and foreign-currency ATM fees depend on the plan.
Key stats
- Base cashback
- No data yet
- Max cashback
- No data yet
- Base fee
Free*Show source
Monthly fee: Free
Standard account
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- FX fee
- No data yet
- ATM fee
€2*Show source
ATM fee: €2
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Card fee
- No data yet
- Credit line
- No data yet
- Staking for top rewards
- No data yet
Tap a value for its source, retrieval date and confidence. * = conditions apply.
Pros
- No annual or monthly fee on the base tier
Cons
- ATM fee €2
Who is it for?
Not enough data to say.
Who should avoid it?
Not enough data to say.
Fees
- Monthly fee
Free*Show source
Monthly fee: Free
Standard account
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard account
- ATM fee
€2*Show source
ATM fee: €2
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
- Other fees & markups
1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)Show source
Other fees & markups: 1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Annual fee, Physical card fee, Virtual card fee, Replacement fee, FX fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards
No cashback & rewards data published or researched yet.
Credit & financing
No credit & financing data published or researched yet.
Supported countries & currencies
- Available in
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland*Show source
Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
24 markets; France excludes overseas territories; residency requirements apply
Source states (paraphrased): N26 currently operates in 24 markets (list on the support page).
Source: Availability across Countries
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
24 markets; France excludes overseas territories; residency requirements apply
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets
No features data published or researched yet.
Security & custody
No security & custody data published or researched yet.
Limits
No limits data published or researched yet.
Product
- Product status
ActiveShow source
Product status: Active
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Tiers / plans
Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo*Show source
Tiers / plans: Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo
Belgium/Spain pricing; EU page lists Smart at €9.90
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Belgium/Spain pricing; EU page lists Smart at €9.90
Not yet researched: Card type, Network, Custody model, Launch date, Card issuer / program manager.
Risks to understand
- E-money balances are safeguarded, not covered by deposit insurance unless the provider is a licensed bank.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability 24 of 60 tracked countries | 15% | 80 |
FX & international | 10% | No data — excluded |
Product features | 10% | No data — excluded |
Custody & security | 10% | No data — excluded |
Credit & financing | 5% | No data — excluded |
Limits & ATM ATM cost on €200 ≈ 1.0% | 5% | 80 |
Transparency | 5% | No data — excluded |
Data coverage 40%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Scores are computed by a deterministic algorithm. Affiliate relationships and sponsored placements have no influence. How we score
FAQ
- Does N26 have an annual or monthly fee?
- Base tier: Free (Standard account). Source: Bank for free with an N26 account (Belgium).
- Where is N26 available?
- Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland (24 markets; France excludes overseas territories; residency requirements apply).
Change history
- Product status recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved