imToken Card vs N26

Product status: Active

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Product status: Active

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Card type: Debit card

Spends the Fiat24 multi-currency cash account

Source states (paraphrased): imToken Card is a multi-currency Mastercard that supports USD, EUR, CHF, and RMB (CNH).

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Debit card

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

Network: Mastercard

Source states (paraphrased): Use it anywhere Mastercard is accepted.

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Network: Mastercard

Source states (paraphrased): qualifying transactions made with your N26 Mastercard

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Custody model: Hybrid

Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Card issuer / program manager: Fiat24 (Switzerland)

Source states (paraphrased): What is special about this imToken Card ( issued by Fiat24 )?

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Tiers / plans: Standard · Smart · Go · Metal

Source states (paraphrased): N26 Smart and N26 Go customers can choose from one of five card colors.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Annual fee: Free

Source states (paraphrased): and no annual fee

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Monthly fee: Free

Standard account

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Physical card fee: €10

Standard plan; included in Smart, Go and Metal

Source states (paraphrased): Physical card €10

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Virtual card fee: Free

Account NFT minting fee 0.001 ETH applies

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Virtual card fee: Free

First virtual card free on Standard

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

FX fee: 0%

Source states (paraphrased): There are no foreign exchange fees, currency conversion fees, fiat deposit fees, transaction fees for same-currency or cross-currency payments

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

FX fee: 0%

Page lists worldwide card payments as free on all plans; exchange rate not stated on this page

Source states (paraphrased): Worldwide card payments Free

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 75%

Crypto conversion fee: 1.5%

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

Source states (paraphrased): Trades are subject to a transaction fee of 1.5% for Bitcoin and 2.5% for all other coins

Source: N26 Crypto: conveniently trade over 400 cryptocurrencies

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 75%

Top-up fee: 1%

Token top-ups; fiat deposits free

Source states (paraphrased): The card also charges a 1% fee for token top-ups.

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

ATM fee: 1.7%

Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page

Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 75%

Other fees & markups: Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepancies

Source states (paraphrased): A minting fee of 0.001 ETH is required when applying.

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Other fees & markups: N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)

Source states (paraphrased): N26 Standard account holders can get a debit card paired with their N26 account against a one-off fee covering the delivery.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Base cashback: 0%

Standard: no cashback; Go and Metal get 1% travel cashback

Source states (paraphrased): Reise-Cashback 1 | 1 % | 1 % (only Go and Metal columns)

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Max cashback: 1%

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

Source states (paraphrased): Alle Smart Features und Gratisabhebungen außerhalb der Eurozone 1 % Cashback auf Reisen

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Cashback type: None

A rebate plan is announced

Source states (paraphrased): imToken will be launching a rebate plan soon.

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Interest on balance: 0.3%

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

Source states (paraphrased): Tagesgeldzinsen 2 | 0,30 % p.a. | 0,30 % p.a. | 0,50 % p.a. | 1,5 % p.a.

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Credit line: No

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit line: No

Source states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

Credit type: None

Source states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

Source states (paraphrased): We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM)

Source: Availability across Countries

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Account / spend currencies: USD · EUR · CHF · CNH

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Own IBAN / bank details: Yes

Swiss IBAN

Source states (paraphrased): Each account comes with a multi-currency cash account linked to a Swiss IBAN.

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Own IBAN / bank details: Yes

Source states (paraphrased): Give your N26 account IBAN to your employer

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Apple Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Google Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Physical card: Yes

Source states (paraphrased): If you ordered a physical debit card, this will arrive via post.

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Virtual card: Yes

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

ATM withdrawals: Yes

Source states (paraphrased): 2 free ATM withdrawals in euros

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Spend stablecoins: Yes

Top up with USDC or USDT

Source states (paraphrased): Top up onchain with major ERC-20 tokens such as ETH, USDC and USDT as well as wire transfer

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Airport lounge access: No

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

Source states (paraphrased): Zugang zu Flughafenlounges 6 | 33 € pro Besuch | 33 € pro Besuch | Erster Besuch pro Jahr 15 €, danach 30 €

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Travel / rental car insurance: No

Only Go and Metal plans (not Standard)

Source states (paraphrased): Up to €2,000

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Purchase protection: No

Only Metal plan

Source states (paraphrased): Purchase protection8 Up to €2,500 per claim

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Spendable assets: ETH · USDC · USDT

Major ERC-20 tokens for top-ups

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Blockchains: Ethereum · Arbitrum

Source states (paraphrased): Deposit a small amount of ETH on Arbitrum

Source: imToken Card | Spend your tokens, under your Control

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Regulation / licences: German full banking licence (BaFin)

Source states (paraphrased): N26 has been granted a full German banking license from BaFin.

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Deposit protection: Yes

Up to €100,000

Source states (paraphrased): protected up to €100,000 by the German Deposit Guarantee Scheme

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%