N26 Go
A plan byN26 · Mastercard
N26 is a fully licensed bank, with a German BaFin licence and a European IBAN, offering 0% FX markup and — in some markets — access to over 400 cryptocurrencies. Crypto is not its main focus, however, and the service is closed in markets such as the UK, the US and Brazil.
Go
- Price
- €10
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- 5 gratis/mese in EU, poi €2; prelievi illimitati gratis fuori EU in valuta locale
- Net annual cost
- €119
What's included
- Travel insurance
- Unlimited foreign ATM in local currency
- 5 EUR ATM/month
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · DE · DE |
| Deposit guarantee | EU guarantee €100,000 |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| SEPA transfer | Free |
| Card included | Carta Mastercard inclusa |
| Interest on balance | 0.3% |
| Network | Mastercard |
| ATM withdrawal | Free |
| Free ATM limit | 3–5 free withdrawals/month (plan-based), then 1.7% |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 24+ countries |
| Regulator | BaFin |
| OAM Italy registration | Yes |
| Segment | B2C |
| Funding / solidity | 8M+ users · €9B valuation · BaFin-licensed bank |
| MiCA / License status | Licenza bancaria (BaFin) DE banking licence (BaFin) |
Strengths
- A real bank with a BaFin licence and €100k deposit guarantee
- 0% FX markup
- Dedicated European IBAN with direct debits and third-party transfers
- No notable sovereignty advantage documented.
Weaknesses
- Crypto is not the main focus and spot offering is limited
- Service closed in the UK, US and Brazil
- Single-currency account (EUR only)
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (DE banking licence (BaFin)): reporting to authorities and freezes on order.
Verdict
The A rating is well earned: N26 is a fully licensed bank with a German BaFin licence, deposit guarantee up to EUR 100,000, a dedicated European IBAN with direct debits and third-party transfers, and 0% FX markup. Available in Italy and OAM-registered, it is a solid choice; the single-currency account (EUR only) and limited crypto spot offering are the only blemishes on the protection front.
Even with access to 400+ cryptos in some markets, N26 stays custodial with full KYC: crypto is held by the bank, not self-custodied, and everything routes through a BaFin institution that can censor and freeze. Through this lens the banking licence, a strength for protection, is exactly what distances it from the trustless model.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is N26 a real bank?
Yes: it operates under a German banking licence issued by BaFin and deposits are guaranteed up to €100,000.
Can I buy crypto with N26?
In some markets N26 offers access to over 400 cryptos, but it is not the core service and availability varies by country.
Sources
- Official service page Plans & pricing · Regulatory framework · Company profile · Issuer · +5 Data verified on Jul 22, 2026
- support.n26.com Trust & safety · Plans & pricing · SWIFT fee Data verified on Jun 15, 2026
- fintechweekly.com Regulatory framework Data verified on Jun 14, 2026
- hackerone.com Trust & safety Data verified on Jun 14, 2026
Show 1 more source
- trustpilot.com Trust & safety Data verified on Jun 14, 2026
Update history
- Card cost corrected on the Smart and Go plans: the physical card is included in the subscription (previously shown as €10 like on Standard, where the physical card is an optional €10 and the virtual one is free).