Fee Information Document
Name of the account provider: N26 Bank GmbH
Account name: N26 current account
Date: 04.02.2019
• This document informs you about the fees for using the main services linked to the payment
account. It will help you compare these fees with those of other accounts.
• Fees may also apply for using services linked to the account which are not listed here. Full
information is available under Account in the Legal Documents section on the N26 website.
• A glossary of the terms used in this document is available free of charge
Service Fee
General account service
N26 Account Free
Includes a package of services consisting of:
Access to the account overview via the N26
mobile and N26 web app; access to N26
Spaces
Services beyond these quantities will be
charged separately.
Payments (excluding cards)
Transfers Free
Receiving a credit note Free
Standing order Free
Direct debit Free
Valid refusal of collection of direct debit Free
Valid refusal of direct debit due to insufficient 3,00 € per refusal
funds
Cards and cash
Issuing of a debit card Free
Issuing of a credit card Service not available
Cash deposits Service not available
Cash payout Only cash withdrawals at ATMs are
supported
Cash withdrawals with the debit card at an N26 Mastercard / Black / Metal / Business
ATM black card:
5 free ATM withdrawals per calendar month
N26 Maestro card*:
2 € per withdrawal
Cash withdrawals with the debit card in other N26 Mastercard:
currencies than EUR 1.7% of amount drawn
N26 Maestro card*:
2 € + 1.7% of amount drawn
N26 Black and Metal card:
Free
N26 Business Black card:
Free
Maestro card availability: customers with shipping address in the Netherlands can order an
additional Maestro card (min. €100 account balance required).
Cash withdrawal with the credit card at an Service not available
ATM
Cash withdrawals with the credit card in other Service not available
currencies than EUR
Overdrafts and related services
Approved overdraft Service not available
Tolerated Overdraft 8.9% p.a. debit interest
Package of services Fee
N26 Black 9.90 € / month
Your membership fees are debited
automatically from your account every month.
In addition to all the benefits of the standard
N26 account and a redesigned World Elite
Mastercard, our premium product includes an
attractive insurance package.
N26 Black is currently available in Ireland,
Slovakia, Netherlands, Belgium, Portugal,
Lithuania, Latvia, Estonia, Finland,
Luxembourg, Sweden, Norway, Denmark,
Iceland and Liechtenstein.
N26 Metal Service not available
Your membership fees are debited
automatically from your account every month.
The N26 Metal account comes with a World
Elite Mastercard, access to exclusive partner
offerings, dedicated customer support and a
comprehensive insurance package.
N26 Business Free
0,1% cashback will be credited on all
purchases with the N26 Business Mastercard
each quarter.
N26 Business Black Service not available
Your membership fees are debited
automatically from your account every month.
In addition to all the benefits of the standard
N26 Business account our premium product
includes an attractive insurance package.
Services beyond these quantities will be charged separately.
Remark acc. § 7.2 ZKG
The payment service framework agreement regarding the management of the payment
account included in the package of services can also be concluded separately. For services
exceeding the quantity of services covered by the package of services, the following fees will
be charged if purchased separately.
Information on additional services
Information on fees for services exceeding the quantity of services covered by the package of
services (excluding fees listed above)
Service Fee
Ordering a replacement card 6€
(Mastercard/Maestro)
The fee will be charged for the replacement
of cards which were lost, stolen or
misappropriated or in case of other
unauthorised use of the card. This does not
apply, where the circumstances that have led
to the replacement are imputable to the Bank
or where the Bank is responsible for these
circumstances. In other cases, the fee will
only be charged if the issuing of a
replacement card results from circumstances
for which you bear responsibility and under
which we are not legally obliged to supply a
replacement card. The fee will be debited
from your N26 account immediately.
Standard delivery: 3-5 business days
Maestro card currently only available in the
Netherlands.
Ordering a replacement N26 Metal card 45 €
(Mastercard)
The reduced fee will be charged for the
replacement of cards which were lost, stolen
or misappropriated or in case of other
unauthorised use of the card. This does not
apply, where the circumstances that have led
to the replacement are imputable to the Bank
or where the Bank is responsible for these
circumstances. In other cases, the fee will
only be charged if the issuing of a
replacement card results from circumstances
for which you bear responsibility and under
which we are not legally obliged to supply a
replacement card. The fee will be debited
from your N26 account immediately.
Express delivery (Mastercard/Maestro) 25 €
Express delivery: approx. 1-3 business days.
ECA (Emergency Cash Advance) 130,00 € per service provision
Every Customer with the Debit Mastercard
(DMC) World, DMC World Elite (N26 Black)
or DMC Business (N26 Business) is entitled
to use the Emergency Cash Advance (ECA)
Service for a fixed fee of EUR 130 The
service provides cash payment of up to EUR
500 following the loss of the DMC World,
DMC World Elite or DMC Business card. The
Customer can request the amount to be paid
out in any country which has a Western
Union (or Western Union partner bank)
branch.
Payment Reminder 3,00 € per reminder
First payment reminder will not incur any
costs. You have the right to produce counter
evidence on the actual costs of your payment
reminder.
Investigation Request 15,00 €
The price shall only be charged if the plus possible costs of the credit institute
investigation of circumstances was initiated providing information incurred
by the customer
Bank Inquiry 25,00 €
Support for independent account switch Free
N26 provides helpful forms on request for the
payment partner to find out about and to
close the old account.
Stamp tax duty (applies only to Irish 0.12 € per ATM withdrawal (max. 5,00 €)
customers)
Applies only to customers with legal address
in Ireland.
If resident in Ireland and signed up for an N26
account including a free Mastercard, an
additional tax for cash withdrawals in Ireland
is incurred. Every January we debit this
amount retrospectively from your account for
the preceding year. (Included in monthly
pricing for all other Irish customers).
General Information on the Bank
Official Bank Name and Address
N26 Bank GmbH
Klosterstraße 62
10179 Berlin
Telephone: +49 (0) 30 364 286 880
Contact: https://support.n26.com/contact
Internet: https://n26.com
Contact
address for complaints: beschwerden@n26.com
Competent Supervisory Authorities
Bundesanstalt für Finanzdienstleistungsaufsicht (Federal Financial Supervisory Authority), Graurheindorfer
Straße 108, 53117 Bonn, Germany
Entry in the German Commercial Register
N26 Bank GmbH
Berlin District Court Charlottenburg, HRB 170602B
Contractual Language
The contractual language for the Bank’s business relationships with Customers is German.
Bank Business Days
A business day is any day on which the payment service provider involved in the execution of a payment
transaction carries out the business operations required for the execution of payment transactions. The bank
carries out the business operations required for the execution of payment transactions on all working days,
with the exception of:
● Saturdays
● Christmas Eve (24 December)
● New Year’s Eve (31 December)
● Working days on which the branch of the bank keeping the account is closed owing to particular local
circumstances (e.g. Carnival, general employee assemblies) and notification of which has been posted
in advance in the entrance area of the branch.
For the execution of SEPA-payments, the bank maintains the required business on all business days except:
● New Year's Day (January 1)
● Good Friday
● Easter Monday
● Labor Day (May 1)
● Christmas Day (December 25)
● St. Stephen's Day (December 26)
Note
Customers can use their payment card at any time. The regulation of business days only affects the processing
of payments through the Bank.
Cut-off Times for Transfer Orders
Paperless orders
before 8.00pm on bank business days
Paper-based
before 8.00pm on bank business days
Note
In the event that a transfer order is submitted on a business day after the above-mentioned deadlines, it will be
treated as having been submitted on the following business day for the purposes of payment execution
deadlines.
Execution Periods
Transfers
The bank is obliged to ensure that the transfer amount is received by the payee’s payment service provider at
the latest as set out below:
Paperless transfer order
max. 1 business day
Paper-based transfer order
max. 2 business days
Requirements for SEPA:
● the transferor has provided his/her IBAN (International Bank Account Number) and the payee's IBAN
● payee bank participates in the SEPA transfer scheme
SEPA Core Direct Debit
The execution period indicated presupposes that the payee bank also participates in the SEPA transfer scheme.
Further information can be obtained from the bank upon request.
Mastercard - Card
The bank is responsible for ensuring that the card payment amount arrives at the payee's payment provider
within the following deadlines:
Card payments in Euro within the European Economic Area (EEA)
max. 1 business day
Card payments within the European Economic Area (EEA) in another EEA currency besides the Euro
max. 1 business day
Card payments outside the EEA
the card payment will be processed as soon as possible
Maestro - Card
The bank is responsible for ensuring that the card payment amount arrives at the payee's payment provider
within the following deadlines:
Card payments in Euro within the European Economic Area (EEA)
max. 1 business day
Card payments within the European Economic Area (EEA) in another EEA currency besides the Euro
max. 1 business day
Card payments outside the EEA
the card payment will be processed as soon as possible
Note
The EEA currently comprises the EU-States: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark,
Estonia, Finland, France (including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion), Germany,
Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal
(including the Azores, Madeira), Romania, Sweden, Slovakia, Slovenia, Spain (including the Canary Islands),
United Kingdom (including Gibraltar), as well as Cyprus, Iceland, Liechtenstein and Norway.
Exchange Rate for Foreign Currency Trades for Private Customers
The exchange rate for card use abroad stems from the general terms and conditions for the N26 Mastercard.
Statutory Deposit Protection
N26 Bank GmbH is a member of the compensation scheme of German Banks GmbH. Your deposit is protected
by a statutory deposit protection system. In the event of N26 insolvency, your deposits will in all cases be
reimbursed up to the value of € 100,000.00.
