Virtual cards

Virtual cards piece of work exactly like your physical banking concern carte—they just alive in your digital wallet on your telephone instead of your physical wallet. Secured past encryption, they offer a safe and convenient way to pay online and in-shop.

Image of N26 app with a virtual card.
Customer using N26 App and buying online with a virtual card.

Virtual, digital and disposable cards—what'southward the difference?

A "virtual card" is stored on your phone and tin be used to pay contactless in stores or online, merely has its own unique carte number, decease appointment, and CVC. A "digital carte" is a copy of your concrete banking company card that's stored on your phone. Digital cards have the same card number, expiry date, and CVC as your concrete bank card, and can exist used with Apple Pay or Google Pay. A "disposable card" is a virtual card that can just be used once. Once you lot've paid, the card details tin't be used again.

The benefits of virtual cards

Exit your wallet at abode

Virtual debit and credit cards are secure, simple to use, and save you the inconvenience of having to comport your wallet effectually.

Stay in command

Yous can instantly lock—and unlock—your virtual card from your phone at whatever time.

Manage subscriptions

Use a dedicated virtual card for all your recurring subscriptions, and easily lock information technology without losing admission to your principal bank carte.

Instant activation

You lot don't accept to await for your carte du jour to arrive in the mail—start using it from the moment it's created.

Pay securely—online and in-store

Pay with your N26 virtual card using Apple tree and Google Pay, anywhere contactless payments are accepted. Information technology'due south easy to use, secure, and effortlessly mobile. All N26 physical and virtual cards are tokenized before they're added to Apple or Google Pay, which simply means that your sensitive bill of fare information is always stored securely.

Security you can count on

Instant push notifications

Pair your N26 account to your smartphone and get real-fourth dimension alerts on all business relationship activity, ensuring that only you have access to your money.

Your money, your settings

Instantly turn on or turn off online payments, ATM withdrawals, payments away, and more in your N26 app.

Advanced 3D Secure

Benefit from extra security confronting fraud, thanks to a two-factor authentication step that protects your online purchases.

Protected up to €100,000

Thanks to our total banking license, the funds in your N26 account are protected up to €100,000 by the German Deposit Protection Scheme.

Find a plan for you

Pop

N26 Smart

The depository financial institution account that gives you lot more than command

N26 You card, Rhubarb.
  • Free Virtual Card
  • Up to x Spaces sub-accounts
  • Shared Spaces
  • Circular-ups

N26 You

The debit menu for everyday and travel

N26 You card, Petrol.
  • Up to v costless withdrawals in the Eurozone
  • Flight and luggage delay comprehend
  • Medical emergency cover
  • Wintertime activities insurance

N26 Metal

The premium account with a metallic card

N26 Metal - Charcoal Black.
  • An 18-gram metal card
  • Upwards to eight free withdrawals in the Eurozone
  • Car rental insurance
  • Phone insurance

FAQs

A virtual debit carte is exactly similar a physical debit card, only in digital form. You can use it for online purchases or add it to Apple Pay or Google Pay for secure, contactless in-store purchases.

A virtual debit card can be used only similar you would use a physical banking company card. In addition to online purchases, you tin can use a virtual card for contactless payments in stores by adding it to Apple Pay or Google Pay. Some fifty-fifty permit yous to withdraw money from ATMs.

All virtual debit cards should be electronically encrypted to protect you from cyberbanking fraud. With N26, all our cards are enabled with Mastercard 3D Secure, which verifies your identity with 2-cistron authentication when making online payments.

To add a virtual card to your N26 account, go to the Cards tab in your N26 app and tap 'Go an additional carte'. Select 'Virtual' and tap 'Cull', and so agree to the terms and conditions and tap 'Generate virtual card'.

A prepaid debit card is not linked to a depository financial institution account. One time you run out of money on the carte du jour, y'all need to top it upwards with additional funds. In dissimilarity, a virtual bill of fare is linked to your bank account and can be used but similar a normal debit card.

When a virtual card has the same number equally your concrete bank menu, it's frequently referred to as a digital bill of fare—because it's a digital version of your physical carte du jour. "Virtual card" usually refers to a menu that only exists in digital form and is non linked to any physical card.

All N26 premium accounts let you add a digital version of your physical N26 debit Mastercard to your digital wallet. Premium members can also add together a 2nd virtual menu to their accounts. Your extra virtual bill of fare has its own menu number and can be locked without affecting your principal card.

The N26 Standard bank account is costless of charge—at that place are no minimum opening deposits, no minimum account balance requirements, and no maintenance fees.