What is a N26 Flex account?

Our N26 Flex account is neither an N26 Standard account, nor a Premium membership account, nor a Basic account, in accordance with Sections 30 ff. ZKG

You cannot select the N26 Flex account yourself. It will be visible to you before you open your account and the decision of offering you the Flex account is taken automatically based on your SCHUFA credit score, which we receive from SCHUFA when you try to open your account with us.

Before accepting your Flex account, if you believe that the SCHUFA score we have may not be correct or the decision is incorrect for other reasons and you would therefore like a human review of this automated decision, you can send us an email to request@n26.com from your registered email address. You can express your own point of view and challenge the decision. The decision is then reviewed by a human taking your position into account. However, we cannot guarantee a positive result through human verification. Please note that we can only discuss account-related matters if you contact us from your registered email address.

In case you desire a manual evaluation of this automated determination, kindly contact request@n26.com using the email address you registered with. Request for a review of the decision before accepting the offer for N26 Flex account.

Please note

The N26 Flex account cannot be combined with an N26 Business, N26 Business Smart, N26 Business You, N26 Business Metal, N26 Smart, N26 You or N26 Metal account.

Fees

  • The N26 Flex account has a monthly fee of €8.90. You will be informed about the monthly fee before opening your account and we will debit this fee directly from your account. The first fee will be debited once your account balance reaches at least €8.90 or after 15 days, whichever happens first, and then monthly after that.
  • Cash withdrawals at ATMs (whether in Euro or in another currency) or one of our 9,000 CASH26 partner stores each cost €2. Both withdrawal types are debited immediately.
  • There is a 1.5% transaction fee on debit card purchases in a foreign currency.
  • The standard account fees apply otherwise.

Cards

The N26 Flex account comes with a transparent Mastercard, just like the N26 standard account. However, virtual cards are not available with the N26 Flex account.

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