What are the benefits of N26 You (formerly Black)?

Once you upgrade to N26 You, you’ll receive 8 additional Spaces and the option to choose one of our five new card colours: Rhubarb, Ocean, Sand, Aqua, and Slate.

N26 You customers are also covered under the premium account's insurance package provided by Allianz Global Assistance*, which includes a broad range of personal and financial benefits:

  • Travel insurance: Reimbursement of medical expenses abroad, for travel cancellations after a medical emergency, expenses incurred during a flight delay of more than 4 hours, expenses in the event of a checked-in luggage delay of more than 6 hours, and medical repatriation expenses.

  • Extended warranty: Extension of an existing manufacturer's warranty by up to one year for insured equipment.

  • Cash protection: Compensation for a robbery up to 4 hours after withdrawing money from an ATM using your N26 You Mastercard.

  • Mobile phone theft insurance: Compensation if your smartphone is stolen in your home country or abroad.

If you’re an N26 You customer, or if you want to upgrade to N26 You, you’ll have the possibility to choose one of our five new colors when ordering a new card:

Keep these in mind when considering N26 You:

  • The N26 You Mastercard has no embossing: the card details, including the number, CVV code, and 10-digit token are printed on the back.

  • If you upgrade to N26 You, the monthly fee of €9,90 will be deducted directly from your N26 account every month starting on the date of your upgrade. If you’re a new customer, the first fee will be deducted 15 days after you prove your identity. From then on, you’ll be charged your monthly fee on your sign-up date. Meaning that, if you opened your account at the end of the month, the first two monthly fees will be charged the following month.

  • The minimum membership is one year. Your contract automatically renews if you don’t cancel your membership at least 4 weeks before the contract expires.

*Allianz Global Assistance Europe trade name of AWP P&C S.A. - Dutch branch, and member of the Allianz Group.

Want to tell your friends about us and earn some money? Get €15 for each friend that you successfully refer to N26. Learn more about our Refer a Friend Program.