How often can I withdraw cash for free?

Cash withdrawals using your Mastercard depend on your T&C country (the address you originally shipped your first card to):

Germany:

  • N26 Standard and N26 Business: 3 to 5* free ATM withdrawals per month in euros. A charge of €2 applies to each withdrawal beyond this limit. You can also use CASH26. For withdrawals in currencies other than the euro an exchange rate of 1.7% applies.
  • N26 You and N26 Business You: 5 free ATM withdrawals per month in euros. A charge of €2 applies to each withdrawal beyond this limit. You can also use CASH26. Free ATM withdrawals in currencies other than the euro.
  • N26 Metal: 8 free ATM withdrawals per month in euros. A charge of €2 applies to each withdrawal beyond this limit. You can also use CASH26. Outside of Germany, in the eurozone you receive unlimited free ATM withdrawals in euros.

Austria and Italy:

  • Free and unlimited ATM withdrawals (including CASH26).
  • For withdrawals in currencies other than the euro an exchange rate of 1.7% applies.

France, Spain, the Netherlands, and the Rest of Europe:

  • N26 Standard and N26 Business: 3 to 5* free ATM withdrawals per month in euros. A charge of €2 applies to each withdrawal beyond this limit. For withdrawals in currencies other than the euro an exchange rate of 1.7% applies.
  • N26 You and N26 Business You: 5 free ATM withdrawals per month in euros. A charge of €2 applies to each withdrawal beyond this limit. Free ATM withdrawals in currencies other than the euro.
  • N26 Metal and N26 Business Metal: 8 free ATM withdrawals per month in euros. A charge of €2 applies to each withdrawal beyond this limit. Free ATM withdrawals in currencies other than the euro.

Switzerland:

  • N26 Standard and N26 Business: 3 to 5* free ATM withdrawals per month in euros. A charge of €2 applies to each withdrawal beyond this limit. For withdrawals in currencies other than the euro an exchange rate of 1.7% applies.

There’s always a €2 fee if you use your Maestro card to withdraw cash (only available in Germany, Austria, and the Netherlands).

Check our pricing lists if you’ve been charged an ATM fee.

*For all countries (except Austria and Italy): You receive 5 free withdrawals during the first three months. After that you'll receive 3 free withdrawals but you can keep receiving 5 if you meet one of the below conditions:

  • You receive your salary, pension, student allowance, or government benefits for at least two consecutive months (your additional free withdrawals start the following month).
  • You receive a minimum monthly incoming SEPA transfer of €1000 for at least two consecutive months (your additional free withdrawals start the following month).