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Digital Bank Account + CardMastercard
N26 Standard Account
N26 · Global
4.4
RatingKey Information
Annual FeeFree
CurrencyEUR
DifficultyEasy
Local ID RequiredNo
Credit HistoryNot Required
NetworkMastercard
Benefits & Rewards
- Free Mastercard debit card
- 3 free ATM withdrawals/month in eurozone
- No FX fee on card payments worldwide
- Real-time notifications
- Spaces (sub-accounts) for budgeting
- Google/Apple Pay compatible
Pros
- + Completely free account
- + No FX fees on card payments
- + Sleek modern app
- + Quick sign-up in minutes
- + IBAN for free SEPA transfers
Cons
- - Only 3 free ATM withdrawals/month
- - Limited to EU/EEA/Swiss residents
- - No cash deposit option
- - Basic customer support on free plan
Application Requirements
- EU/EEA/Swiss resident (18+)
- Smartphone
- Valid ID/passport
Required Documents
EU passport or ID cardSelfie verification via video
Fees
Monthly FeeFree
ATM (eurozone)3 free/month then €2
FX on card0%
ATM (foreign currency)1.7%
Frequently Asked Questions
Is N26 available outside Europe?
Currently N26 is only available in the EU, EEA, and Switzerland. US operations were discontinued.
Free
Annual Fee
Recommended for
European residentsYoung professionalsMinimalistsTravelers
Tags
#europe#digital-bank#free#fintech#travel
Last verified2026-05-15
SourceOfficial site
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Details Disclaimer: This page provides publicly available information only and does not constitute financial advice, credit advice, or application guarantees. Actual application conditions, fees, benefits, and approval results are subject to the official page of the issuing institution.
免责声明：本页面仅提供公开信息整理，不构成金融建议、信用建议或申请承诺。 具体申请条件、费用、权益和审批结果以发行机构官方页面为准。