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: 2 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: 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 Go and N26 Business Go: 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. Free ATM withdrawals in currencies other than the euro.

N26 customers with an account opened in Germany enjoy unlimited free withdrawals in the eurozone.

Austria:

Free and unlimited ATM withdrawals in the whole eurozone, including CASH26.

  • N26 Standard, N26 Business, N26 Smart, and N26 Business Smart: For withdrawals in currencies other than the euro, an exchange rate of 1.7% applies.
  • N26 Go, N26 Business Go, N26 Metal, and N26 Business Metal: Free ATM withdrawals in currencies other than the euro.

Italy

  • N26 Standard and N26 Business: 3 free ATM withdrawals per month in euros. 
  • N26 Premium (Smart, Go, Metal): free and unlimited ATM withdrawals in euros. 
  • N26 Standard, N26 Business, N26 Smart, and N26 Business Smart: For withdrawals in currencies other than the euro an exchange rate of 1.7% applies.
  • N26 Go, N26 Business Go, N26 Metal, and N26 Business Metal: Free ATM withdrawals in currencies other than the euro.

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

  • N26 Standard and N26 Business: 2 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: 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 Go and N26 Business Go: 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 German, Austrian, or Spanish 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.

Was this article helpful?