Open and manage your child’s N26 for under 18s card and Space

You can create a dedicated Space for your child (aged 7–17) within your N26 account, with a card linked directly to it. Your child can use this card to make purchases in stores, online, or withdraw cash at ATMs‌ — ‌but only spend the money available in that Space. While they gain hands-on experience using money in everyday situations, you remain in full control, overseeing the Space and guiding their child every step of the way. It’s a secure, simple way to introduce financial independence while keeping safety and support front and center.

• Child’s age: Your child must be 7–17 years old at the time of opening the Space.
• Documents needed: Your child’s birth certificate.
• Parent: You must be an existing N26 customer. The name on your N26 account must match the name on the child’s birth certificate. 

1. In the N26 mobile app: Go to Home or the Finance tab and select the option to add your child’s Space.
2. Enter your child’s details
3. Upload their birth certificate: We’ll automatically check the details you provide against the uploaded document. If everything matches, your child’s Space will be created. If not, you’ll be notified and can request a manual review. 
4. Order the card: Once your child’s Space is set up, you can order a card for them.

• Card design: Choose from 7 card designs in total.
• Physical card: Your child can make purchases in stores, online, and withdraw cash at ATMs (within set limits). The card is linked to the dedicated N26 for under 18s Space.
• ATM withdrawals made with the child’s card count toward your own monthly free ATM withdrawal limit.
• Digital wallets: The card can be added to supported digital wallets once you've confirmed it.

• Spending controls: Set daily spending and ATM withdrawal limits, lock online or international payments, and manage card settings‌ — ‌all from your app.
• Regular allowance: Set up a recurring transfer from your main account so that your child’s pocket money is sent automatically to their Space.
• 3D Secure: Any online payment requiring 3D Secure must be confirmed by you in your app.
• Card management: Instantly lock or unlock your child’s card in the app if needed.
• Restricted purchases: Purchases at merchants selling alcohol, tobacco, gambling, or age-restricted content are automatically blocked.
• Monitor activity: Receive real-time notifications for all transactions, and view spending details.
• App access: Only parents can use the N26 app. Children don't have app access.
• Limits: Default daily card payment limit is €200 (max €1,000). ATM withdrawal limits vary by country.
• Closing your child’s Space: Close it from the Space settings in your app, just like any other Space. Transfer any remaining money before closing.

• All the money in the child’s Space is legally owned by you as the N26 account holder.
• Children's Spaces don't count towards your normal Space limit‌ — ‌they’re in addition.
• All the money in the child’s Space is legally owned by the parent.
• Fees and limits depend on your membership: Standard: 1 child Space, €10 per card‌ — Smart and Go: 2 child Spaces, 2 free cards. — Metal: 5 child Spaces, 5 free cards.
• If your membership changes (e.g., downgrade), you can keep existing children’s Spaces.
• Your child’s card is locked to their Space and can't be moved to another Space.
• No overdraft: Your child’s card only permits transactions within the available balance in their Space. Overdrafts from the child’s Space are not possible. If a negative balance occurs (for example due to offline presentments or delayed transactions), it will be automatically covered from your main N26 account.
• When your child turns 18, the card remains active and usable for up to 3 months after their 18th birthday, unless it expires earlier. The Space will stay open unless you choose to close it.