Why was I charged an ATM fee?

ATM fees could happen for a few reasons:

  • A €2 fee applies to any additional withdrawal beyond our Fair Use Policy. We’ll remind you via push message when you’re running low on free withdrawals.
  • Some ATMs may come with their own fees. We have no control over these fees and can’t reject or reverse them. You’ll be informed before the end of a withdrawal if additional fees apply and will have the possibility of cancelling it.
  • Foreign currency ATM withdrawals sometimes include fees. With the N26 account, there’s a fee of 1.7% of the withdrawal amount. This fee is waived for N26 You or N26 Metal members.
  • Using your Maestro for ATM withdrawals. A €2 fee applies to both domestic or international withdrawals. Maestro is only available in Germany, Austria, or the Netherlands.

To avoid certain fees, especially when travelling, you can use the Mastercard ATM Locator(new tab) to find free ATMs nearby by selecting no access fee.

You can find an overview of our plans and fees on our website(new tab).