Debit · Mastercard7.9/10
N26 Card
Reviewed by Aayush JainUpdated May 2026
European digital bank with zero forex fees — available across EEA, US and Brazil.
Visit N26Forex fee
None
ATM fee
Free*
Monthly fee
Free (Standard) / €4.90 (Smart) / €9.90 (You) / €16.90 (Metal)
Network
Mastercard
Available in
EU/EEA · USA · Brazil
ATM detail: Standard: 3 free EUR ATM withdrawals/month in EU, then €2 fee. Abroad: 1.7% fee on Standard, free on paid plans.
Our verdict
N26 is a solid option for EU residents, with zero forex fees on spending. The ATM situation on the free plan is less competitive — 1.7% fee abroad. For EU travellers wanting unlimited free ATMs, Wise or a local equivalent is better. N26 Metal removes ATM fees but costs €16.90/month.
Pros
- Zero foreign transaction fee on spending
- Mastercard exchange rate — competitive
- Available across EU, US, and Brazil
- No monthly fee on Standard plan
- Excellent app
Cons
- 1.7% ATM fee abroad on Standard plan
- ATM fees waived only on paid plans
- Customer support has had historical issues
Best for
EU residents travelling abroadEuropeans wanting a digital-first bank
Frequently asked questions
Cost summary
Card typeDebit
NetworkMastercard
Forex feeNone
Free ATM3 free ATM withdrawals/month (Standard EU), unlimited abroad on Metal
Monthly feeFree (Standard) / €4.90 (Smart) / €9.90 (You) / €16.90 (Metal)
Available inEU/EEA, USA, Brazil
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