What N26 Actually Charges You
N26 waves the 'free account' flag, then charges €2 per extra cash withdrawal, 1.7% on foreign-currency cash and a brutal 13.4% on the overdraft. Free has rarely been this expensive at the edges.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €0 | The N26 Standard account has no monthly fee, no minimum deposit and no required incoming payments. |
| ATM withdrawals | 2 free/month | Standard customers get 2 free euro ATM withdrawals per month. Every additional withdrawal costs €2. |
| Foreign exchange | 1.7% | On ATM withdrawals in foreign currencies for Standard and Smart plans. Card payments in any currency are free of N26 fees on all plans. |
| Overdraft | 13.4% APR | Fixed rate on the Dispokredit, debited quarterly, on overdrafts of up to €15,000. One of the highest rates among German direct banks. |
| Cards | €10 | One-off delivery fee for the physical Mastercard debit on the Standard plan. The virtual card is free. |
| Other charges | 1.5% | Fee on every cash deposit made through CASH26 partner shops. |
Questions people actually ask
The account itself costs nothing per month. The costs hide at the edges: €10 for the physical card, €2 per extra ATM withdrawal after the second each month, 1.7% on foreign-currency cash and 1.5% on cash deposits.
On the Standard plan, 2 free euro withdrawals per month. After that, each withdrawal costs €2. Paid plans raise the allowance: 3 with Smart, 5 with Go, 8 with Metal.
No. Card payments in any currency carry no N26 fee on every plan, using the Mastercard exchange rate. The 1.7% surcharge only hits ATM withdrawals in foreign currency on Standard and Smart.
13.4% per year, fixed, on up to €15,000. That is roughly five points more than DKB charges its active customers, so an overdraft at N26 is a costly habit.
Yes, at CASH26 partner shops, but N26 takes 1.5% of every deposit. There is no free cash deposit route.
Sources
Every number above comes from the bank's own documents.
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