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.

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.

• 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.