What N26 Actually Charges You
N26 waves the 'free account' flag, then charges €2 per extra cash withdrawal after Italy's three free euro withdrawals, 1.7% on foreign-currency cash and €3 for a rejected direct debit. 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 | 3 free/month | Standard customers in Italy get 3 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 | €3 | If the balance does not cover a direct debit on the due date, N26 cancels it and charges a €3 fee; N26's Italian support page lists the overdraft facility as available in Germany and Austria. |
| 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 has not been available to Italian residents since 22 December 2022. |
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 third free euro withdrawal each month, 1.7% on foreign-currency cash, €3 for rejected direct debits and 3% on card or wallet top-ups after the first top-up.
On the Standard plan in Italy, 3 free euro withdrawals per month. After that, each withdrawal costs €2. N26 lists unlimited free withdrawals for premium accounts in Italy.
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.
If the balance does not cover the direct debit on the due date, N26 cancels the payment and charges €3; N26's Italian support page lists overdraft availability in Germany and Austria.
Not through CASH26: N26 says CASH26 has not been available to Italian residents since 22 December 2022. For instant top-ups by card, Apple Pay or Google Pay, the first top-up is free and later top-ups cost 3%.
Sources
Every number above is checked against official provider documents and the linked source material below.
- Official N26 Italy Standard account page
- Official N26 Italy account comparison page
- Official N26 Italy foreign-currency fee explanation
- Official N26 Italy support article on free withdrawal allowances per plan
- Official N26 support article on rejected direct debit fees
- Official N26 Italy support article on account top-ups
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