How to activate my card?

To use your card, you’ll need to activate it first. You can only do this in the app after you connect your smartphone to your account.

And if you live in France, Spain, Ireland, Greece, Finland, or Estonia, you must withdraw money at an ATM first before you can use your card anywhere else. Also, keep in mind that:

  • You need to physically have your card in order to activate it. You’ll need your 10-digit token number for this: it’s found below your name on the front of your card (or on the back if you have an N26 Black, N26 Metal, or Maestro card). We’ll ask you for this number every time you contact us to prove it’s really you.

  • If you have multiple cards (for example, you ordered your card more than once or your delivery was delayed), you can only activate your most recent card. All other cards will be disabled. This is because you can only have one card per account (in addition to a Maestro card if you live in Germany, Austria, or the Netherlands).

  • You’ll need to follow these activation steps every time you reorder a new card, like if your card is lost, stolen, broken, or you upgrade your account.   

After you activate your card, the next step is choosing a card PIN.