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 11.63% APR on its Spanish flexible 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 | 11.63% APR / 11% NIR | Spanish flexible-overdraft rate; N26 says the facility can be requested up to €10,000 and charges no opening, maintenance or ancillary-service fees. |
| 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.
N26 Spain gives a representative flexible-overdraft example at 11% nominal annual interest and 11.63% APR, with no opening, maintenance or ancillary-service fees.
Yes, at CASH26 partner shops, but N26 takes 1.5% of every deposit. There is no free cash deposit route.
Sources
Every number above is checked against official provider documents and the linked source material below.
- Official N26 Spain Standard account page
- Official N26 Spain account comparison page
- Official N26 Spain foreign-currency fee explanation
- Official N26 Spain support article on free withdrawal allowances per plan
- Official N26 Spain Descubierto Flexible (overdraft) page with 11.63% APR / 11% NIR
- Official N26 Spain support article on account costs
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