N26 You Card: a debit card for your everyday needs and travel

The N26 You personal and business card is the premium card from the mobile bank N26. The N26 You was formerly known as the N26 Black. It comes in five different colors, with an annual subscription and a monthly charge of €9.90.

The main benefit that N26 You users will get is:

  • Fee-free card payments anywhere in the world, unlimited free ATM withdrawals in any currency, and five free ATM withdrawals in the Eurozone. That’s why it’s considered the best card for travelers. 
  • N26 Business users get some additional benefits, like 0.1% cashback on each purchase payment and transaction list. 
  • N26 You also offer travel insurance for medical emergencies while traveling. The policy of N26 You provides coverage for you and your family. You will get 24/7 medical phone assistance access, and this includes dental insurance as well. The maximum coverage for medical expenses is €100.000.
  • If you face any luggage delays for over 4 hours, you will get coverage up to €500. And up to €2,000 if your luggage goes missing. N26 you will also be in case of travel delay for more than 2 hours, you’ll be covered. If you have an unused, non-refundable trip, you will get covered up to €10,000.




The process of opening an N26 You account is very simple. Within just 10 minutes, you can have an N26 You account. You do not have to visit their office. If you want to open an N26 You personal account, you must meet those criteria.

  • At least 18 years old;
  • Residents of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia, Slovenia, and Sweden;
  • Having a smartphone;
  • If you didn’t have an N26 You account previously.

As N26 You Business provides some extra facilities, there are some changes in requirements if you want to open an N26 You Business account. Those are:

  • The individual must be enrolled in a freelance profession, like as an architect, lawyer, pharmacist, or nurse.
  • Only use the account for business purposes;
  • Must be based in a European country.

You are eligible to open an N26 You account if you meet those criteria. But you need to provide a supported ID document, applicable to the country you’re resident in.


About the bank

The N26, the pioneer for modern, 100% digital banking, was founded in Berlin by Valentin Stalf and Maximilian Tayenthal in 2013. 

In 2015, N26 launched Europe’s first mobile bank accounts that give its users banking freedom the way they want. Because of hidden charges, complicated jargon, and bureaucracy, people lose their trust in banks. Whereas N26 focuses on giving its users total transparency and control, N26 shows that managing money on the go can be simple, easy, transparent, and quick.

In 2016, N26 got a full banking license and expanded to 17 more countries. Up to €100,000 of customers’ funds are protected by the German Deposit Protection Scheme. 

By 2018, N26 had reached the milestone of 2 million customers in 24 countries and had no. 1 startup to work for in Germany by Linkedin.

In 2021, this bank became Germany’s highest-valued fintech with a $900+ million Series E-funding round and a $9+ billion valuation and was awarded as the Best Bank in the World by Forbes.

In 2022, it will have a family of over 8 million customers. And not just sticking to savings, N26 launched N26 Crypto for investment.

Starting with just two, N26 now N26 has a passionate team of 1,500 people of 80 nationalities with 10 global offices. N26 is proud to have some of the best minds in the world who are working to reach the goal of N26.

Valentin Stalf and Maximilian Tayenthal are the founders and CEOs of the company. Arnd Schwierholz joined N26 in February 2023 as Chief Financial Officer. Gino Cordt holds the position of Chief Technology Officer and is responsible for the firm’s data and technology divisions and for bringing data and security together. 

Anke Ulrich joined N26 in 2016 as a senior legal counsel, and today she is the general counsel of this company. After over six years at the Mobile Bank, Timo Meyer is the Chief People Officer today at N26.

Jan Stechele is the Managing Director and Chief Regulatory Officer, and Carina Kozole is the Managing Director and Chief Risk Officer.

The company has four general managers from different countries and five supervisory board members.


Who is this card for

Considering all the benefits the N26 You card provides, it is obvious that this particular card is perfect for those who are short-time travelers or working as self-employed. The main benefits of having an N26 You card are unlimited cash withdrawals for free and unlimited payments worldwide. You can use and control the banking system through an app at anytime and anywhere in this world.

Besides those, N26 offers you medical, travel, baggage, and accidental insurance coverage. If you are self-employed, you will get some extra benefits, like cashback on every payment you make with your card. So, anyone can benefit from using the N26 You account, but undoubtedly those who are travelers and self-employed will get some extra benefits. Check out other N26 cards (Standard, Smart, Metal).

Step by step to apply for the N26 You Card

Opening an N26 You account will take less than 10 minutes. Simply go to their website for registration or download the N26 iOS or Android app. Fill up your personal information, home address, tax information, and password. Once you are done verifying your identity, your bank account will be ready to use. 

Positive and negative sides of N26 You Card

Throughout the article, we discussed how beneficial the N26 You card is. But there are some negative sides.

As discussed above, the benefits you will get from a N26 You card are:

  • Unlimited cash withdrawals for free;
  • Unlimited card payments worldwide are free;
  • Get all the services using the app;
  • Travel and medical insurance;
  • Order an extra, physical N26 YOU card for a one-off fee of €10.

The negative sides, or things that should be improved, are:

Rates and fees

  • 1.5% fee for deposit withdrawals at more than 10,000 retailers in Europe.
  • After five free ATM withdrawals in the eurozone per month, a fee of €‎‎2 fee  will apply
  • Monthly fee of €9.90

Contact details

Office: Kurfürstenstraße 72, 10787, Berlin, Germany. More Details

Phone: +44 2035 107126 or +49 303 6428 6881

Email: [email protected]

Web Support:

Support Chat:


Social Media: Facebook, Twitter. Linkedin, Instagram


N26 helps everyone achieve financial freedom by making money easy to manage. With just a few taps on your phone, you can save, spend for daily needs, and invest wherever you want. Considering its more benefits and less negative sides, N26 You is overall a great deal. People who travel frequently and withdraw money in foreign currencies can save money on fees with the N26 You card.

The travel insurance that comes with the N26 You are a big relief for any traveler. As it is fully based on the mobile app, you can access your required information anytime.