What N26 Actually Charges You
N26 waves the 'free account' flag, then charges €2 per extra cash withdrawal and 1.7% on foreign-currency cash. In France the real edge-case costs are rejected-payment fees and instant top-up fees, not a German Dispokredit.
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. |
| Rejected direct debits | up to €15 | For French IBAN accounts, N26 says a rejected direct debit below €15 is charged at the amount of the debit; for €15 or more, the fee is capped at €15. |
| Cards | €10 | One-off delivery fee for the physical Mastercard debit on the Standard plan. The virtual card is free. |
| Other charges | 3% | Card, Apple Pay or Google Pay top-ups after the first top-up cost 3%; CASH26 is listed by N26 for Germany, Austria and Spain, not France. |
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, rejected-direct-debit fees of up to €15 and 3% on card or wallet top-ups after the first top-up.
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.
For French IBAN accounts, N26's rejected-direct-debit fee equals the failed debit amount when it is under €15 and is capped at €15 when the debit is €15 or more.
N26 does not list CASH26 for French accounts; it lists CASH26 only for Germany, Austria and Spain. You can top up by transfer, MoneyBeam or card/wallet, with 3% applying after the first instant card or digital-wallet top-up.
Sources
Every number above is checked against official provider documents and the linked source material below.
- Official N26 France Standard account page
- Official N26 France account comparison page
- Official N26 France foreign-currency fee explanation
- Official N26 France support article on free withdrawal allowances per plan
- Official N26 support article on rejected direct debit fees
- Official N26 France support article on account top-ups and CASH26 availability
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