What is a Virtual Card?

If you sign up for an N26 Standard account, you’ll get a virtual card for free (provided you have a one-time minimum balance of 10€ to activate the card). 

An extra virtual card is ideal for shopping online, giving you added peace of mind when sharing your card details on apps and websites. It's also great for keeping your recurring subscriptions separate from your everyday transactions.

Premium customers have the option to order a virtual card for free in addition to the free physical card they receive along with their premium membership. They can have up to 6 virtual cards active at the same time.

Good to know: N26 Standard customers have the option to order an extra virtual card for the price of 2.59 € and can also have up to 6 virtual cards active at the same time for their personal account.

How to order and activate my virtual card?

  1. Log into your account and open the Cards-tab in the bottom right corner.
  2. Tap on Get an additional card.
  3. Select Virtual at the top, then tap Choose at the bottom.
  4. Read and agree to the terms and conditions, then tap Generate virtual card.
  5. Add your virtual card to Apple Pay, Google Pay, Samsung Pay or Garmin Pay or skip this step.

How to use my virtual card?

  • Pay in-store using your digital wallet: Link your virtual card to either your Apple Pay, Google Pay, Samsung Pay or Garmin Pay, depending on your device.
  • Withdraw cash: Once you have linked your virtual card to your Apple Pay, Google Pay, Samsung Pay or Garmin Pay you can withdraw cash from ATM machines that are contactless-enabled. You can also use CASH26 to deposit or withdraw cash (Germany, Austria and Spain)
  • Make online purchases: You can view your virtual card or debit card details in the app (card number, expiry date and CVV number). To view these details:
    • Login to your N26 mobile app
    • Select Cards
    • Locate your virtual card
    • Select Card details
    • You will then need to enter your confirmation PIN or use biometric login to view your virtual cards details for 60 seconds

The virtual Mastercard is only available for N26 Standard accounts opened from February 2021 and all N26 Premium accounts beginning from the 9th. of October 2021.

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