Fees
N26 fees explained
A clear overview of how N26's pricing works, from the free standard account to paid plans and usage-based fees.
Independent guide — not affiliated with, or endorsed by, N26.
N26 uses a freemium model: a free standard account plus paid plans with additional features. Most everyday transactions are free, while some services carry fees depending on your plan.
Account plans
| Plan | Typical price | Highlights | | --- | --- | --- | | N26 Standard | Free | Core account and virtual card | | N26 Smart | Paid monthly | Sub-accounts and insights | | N26 You | Paid monthly | Travel insurance and worldwide withdrawals | | N26 Metal | Paid monthly | Premium card and perks |
Pricing changes: Plan prices and included features can change over time and may vary by country. Always confirm current pricing on the official N26 website.
Common fee areas
- ATM withdrawals: Free up to a limit on some plans; fees may apply beyond the limit or in foreign currencies.
- Card payments: Generally free in euros; foreign currency conditions depend on your plan.
- Transfers: SEPA transfers are typically free; instant transfer options may carry a fee.
How to keep costs low
Choose the plan that matches how you use your account. If you rarely travel or withdraw cash abroad, the free standard account may be enough.
FAQ
Is there a free N26 account?
Yes, N26 offers a free standard account.
Are card payments free?
Euro card payments are generally free; foreign currency conditions depend on your plan.
Sources
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