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):

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

• Free and unlimited ATM withdrawals (including CASH26).

• N26 Standard and N26 Business: 3 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 Smart and N26 Business Smart: 5 free ATM withdrawals per month in euros (free and unlimited ATM withdrawals in Italy). 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 (free and unlimited ATM withdrawals in Italy. A charge of €2 applies to each withdrawal beyond this limit. Free ATM withdrawals in currencies other than the euro.
• CASH26: If you have Italian, Spanish or Greek T&C's, you can also use CASH26.

There’s always a €2 fee if you use your Maestro card to withdraw cash (only available in Germany, Austria, and the Netherlands). If you have our N26 Flex account every withdrawal costs 2€. Check our pricing lists if you’ve been charged an ATM fee.

*Only in Germany you receive 5 free withdrawals during the first three months and after that you will receive 3 free withdrawals.

To continue to make use of our 5 free ATM withdrawals a month and stay as a primary account user, you will need to receive regular income paid into your N26 account of at least 1000€ for two consecutive months. These payments can be 1 or more of the following:

• Salary, pension, student allowance or government benefits.
• Any other type of regular payment.
• Multiple incoming transactions that add up to 1000€.

Please note that we reserve the right to not grant or revoke the primary account user status if the 1000€ minimum transfer amount is achieved through misuse or you stop receiving these monthly payments.