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 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.

Austria:

  • Free and unlimited ATM withdrawals (including CASH26).

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

  • 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 German, Austrian, 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.