The N26 Mastercard Debit Card is available in several colors. You can sign up in just a few minutes and start using mobile payments immediately, even before your physical card arrives.
Refer to the step-by-step instructions provided for a detailed guide on how to apply online for the N26 Mastercard Debit Card in Germany. This ensures a smooth application process.
N26 Overview: The Bank You Will Love
N26 is a mobile bank based in Germany. It was launched in 2015 as Number 26 Bank and renamed N26 the following year.
It offers personal and business accounts with services available in multiple languages, including German. N26 operates with a full banking license from the German Federal Financial Supervisory Authority, providing a secure platform for financial services.
N26’s partnership with Mastercard, not Visa, enables the issuance of debit cards under its various plans. These Mastercard debit cards are integral to N26’s offerings, which include:
- N26 Standard: A free plan that includes a virtual Mastercard.
- N26 Smart: Costs €4.90 per month.
- N26 You: Available for €9.90 per month.
- N26 Metal: Priced at €16.90 per month, offering extensive benefits.
Each plan comes with features suited to different banking needs, such as limited free ATM withdrawals and sub-accounts for saving towards specific goals. Customer service is accessible even on weekends and in English, catering especially to expatriates in Germany.
N26 has established itself as a practical option for managing finances in Germany, particularly favored by those seeking an alternative to traditional banking institutions.
Top 12 Features of the N26 Mastercard Debit Card
N26 simplifies banking in Germany with its Mastercard Debit Card, offering a range of user-friendly features. Here’s what you can expect:
- Customer Service: It is available daily via live chat from 7 a.m. to 11 p.m. and phone support for premium account holders.
- 100% Online: All processes are digital, from signing up to managing transactions.
- Quick Signup: Set up your account remotely in just 10 minutes, with ID verification through IDNow.
- Money Management: Utilize up to ten sub-accounts to earmark funds for different needs.
- Transaction Alerts: Receive instant notifications on your mobile for all card activities.
- Expense Tracking: Use the N26 app to categorize and review expenses easily.
- Effortless Administration: Adjust settings like payment limits and card security directly in the app.
- International Transfers: Send money to 19 countries using Wise at competitive rates.
- No Hidden Fees: Enjoy the real Mastercard exchange rate without extra currency conversion fees.
- Card Options: Choose between a virtual or physical card and integrate with Apple and Google Pay.
- App Utility: Highly rated for features like discreet balance display, easy account number retrieval, and ATM locator.
- Financial Flexibility: Overdraft options up to €10,000, consumer credits up to €25,000, and installment plans for purchases between €50 and €500, plus savings accounts starting at €500 with EasyFlex Savings.
N26 Mastercard Debit Card Options and Benefits
N26 provides various Mastercard debit card options, each designed to meet diverse customer preferences in Germany.
The N26 Smart account offers five card colors: Ocean, Sand, Rhubarb, Aqua, and Slate. N26 Metal account holders can choose from three shades of premium stainless steel cards: Charcoal Black, Slate Gray, and Quartz Rose.
For N26 Standard account users, a unique transparent debit Mastercard is available for a one-time delivery fee of €10.
Using Your N26 Mastercard Globally
The N26 Mastercard debit card is an excellent choice for international travel, as it is accepted worldwide and does not incur foreign transaction fees on purchases abroad. This ensures that users incur no extra costs or markups.
Particularly, N26 You and Metal account holders enjoy the advantage of fee-free ATM withdrawals in any currency.
The integrated Mastercard ATM locator in the N26 app allows users in Germany to easily find nearby ATMs, facilitating convenient access to cash anywhere.
How to Apply for the N26 Mastercard Debit Card in Germany
To apply for the N26 Mastercard Debit Card in Germany, follow these steps:
Eligibility Requirements:
- Be at least 18 years old.
- Have a valid ID according to German regulations. Check the N26 website for acceptable IDs.
- No existing N26 bank account.
- For verification, proficiency in German, English, French, Spanish, or Italian.
Step 1: Online Registration:
- Visit the N26 website and click ‘Open Bank Account’.
- Fill out the form with personal details, including country of residence, full name, email, date of birth, and home address. Ensure the name on the mailbox matches or use ‘c/o’ with a valid name for card delivery.
Step 2: Connect Your Smartphone:
- Ensure your smartphone meets the system requirements (iOS 11 or newer for iPhones, Android 6.0 or newer for Android devices).
- Install the N26 app and link your smartphone by verifying your phone number through a 4-digit code sent by N26.
Step 3: ID Verification:
- For residents in Germany, verify your identity through a video call in the N26 app. Have your ID and smartphone ready in a quiet, well-lit room. An N26 representative will guide you through the process, checking your ID’s security features.
Step 4: Receive Your N26 Debit Mastercard:
- After verifying your ID, expect your N26 Debit Mastercard to arrive via post within approximately one week.
Once these steps are completed, your N26 account will be active, and you can start using your new N26 Mastercard Debit Card in Germany.
Interest Rates
N26 provides different accounts, each offering specific benefits related to interest on deposits and fees:
- N26 Standard: No monthly fees. Ideal for basic banking needs without a physical card unless requested for a fee.
- N26 Smart: €4.90 per month. More free ATM withdrawals and sub-accounts are needed to organize finances.
- N26 You: €9.90 per month. Designed for frequent travelers with no fees on foreign transactions and free withdrawals worldwide.
- N26 Metal: €16.90 per month. Premium benefits, including insurance coverage and higher withdrawal limits.
For specific rates, refer to N26’s terms and conditions for detailed information on interest accrual and fees for overdrafts or loan services available to customers in Germany.
Contact Information
For inquiries or issues with an N26 account, use the following contact options:
- Customer Service Number: +49 303 6428 6881 (Available in English, support for all account types)
- Alternative Number for Urgent Requests: +44 2035 107126 (English support)
- Email Support: Available through the N26 app or website for security reasons.
- Postal Address: For secure document submission or formal inquiries: N26 Bank AG, Voltairestraße 8 10179 Berlin, Germany
Conclusion
The N26 Mastercard Debit Card offers an efficient banking solution designed for convenience in Germany.
With competitive interest rates and accessible customer support, N26 ensures a seamless banking experience for managing finances or traveling.
In Germany and beyond, N26 supports financial needs with efficiency and security.