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.
  • CASH26: If you have Spanish or Greek T&C's, you can also use CASH26.

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). 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.