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N26 Go review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

N26 Go is a paid travel tier that suits people who spend abroad often, with cashback of 1% on spending outside Europe and a currency conversion charge of 0%. The catch is the annual fee of €118.80, which only pays off if the travel perks get used.

Key facts

Best for
Travel heavy spenders who will use the cashback, lounge access and insurance extras.
Monthly fee
€0↗
Currency conversion fee
0%↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
N26 SE↗
Headquarters
Germany↗
Founded
2013↗
Support channels
Phone, Help-centre↗
Features
Travel, Virtual card
Audience
Kids, Business
Official website
n26.com

Credit cards

Annual fee
€118.80↗
Rewards type
Cashback↗
Rewards rate
1% while traveling outside EEA, Switzerland, UK for up to 12 months↗
Perks
Travel insurance, Airport lounge access, Dedicated phone support, Free ATM withdrawals worldwide↗
Cashback rate
1%↗
Pricing model
No monthly fee

Savings

Headline rate
0.3% to 1.5%↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
100% flexible: deposit and withdraw any amount, whenever you want↗
Account kind
Easy access↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Cashback of 1% on spending while travelling outside the EEA, Switzerland and the UK, capped after a limited period.
  • Deposits are covered by the EU deposit guarantee scheme, listed as EU DGS up to EUR 100,000.
  • Savings pay a variable rate of 0.3% to 1.5% on an easy access account you can draw from at any time.
  • The plan bundles Travel insurance, Airport lounge access and Dedicated phone support, including dedicated phone support.

Cons

  • Support runs on phone and help centre only.
  • The cashback applies to travel spending abroad and for a limited stretch of months, so everyday spending at home earns nothing.
  • The annual fee of €118.80 buys the travel perks and is wasted if you rarely leave home.
N26 Go

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Frequent travellers who will use the travel insurance, lounge access and free ATM withdrawals listed in Travel insurance, Airport lounge access and Dedicated phone support.
  • Euro area savers who want cashback on foreign spend and a modest variable return of 0.3% to 1.5% at the same time.
  • Households and small businesses already banking with N26, whose range also covers kids and business accounts.

Who should look elsewhere

  • Wise, for anyone who only needs a monthly fee of £0 and will not use the travel perks.
  • Starling's personal account debit card, at a monthly fee of £0, if a single market current account fits better.
  • Varo Believe Secured Credit Card, at a monthly fee of $0, if the goal is a secured credit record rather than cheap foreign spend.

How N26 Go compares

Frequently asked questions

What does N26 Go cost?+

The Go plan comes with an annual fee of €118.80, and the free bank account alongside it has a monthly fee of €0. The annual charge buys the travel extras, so the tier pays off for people who use the lounge, insurance and free cash withdrawals.

Is there a fee for spending or converting money abroad?+

The currency conversion charge on the Go plan is 0%, so there is no added cost to paying in another currency, and the card runs on mastercard. Free ATM withdrawals worldwide come with the plan, which cuts the cost of getting local cash while travelling.

What does the savings account pay?+

The savings rate is variable and sits at 0.3% to 1.5%, which is modest for the amount being tied up. The rate type is variable, so the return can move rather than being locked, and the account is easy access rather than a fixed term product.

How easy is it to get money in and out of savings?+

Access is fully flexible: you can deposit and withdraw any amount whenever you want, with no lock on the balance. That suits an emergency pot rather than a planned deposit, and the variable rate of 0.3% to 1.5% applies while the money sits there.

Is my money protected if the provider fails?+

Deposits are covered by the EU deposit guarantee scheme, listed as EU DGS up to EUR 100,000, with protection sitting under that stated limit per depositor. The provider is N26 SE in Germany, founded in 2013, and the savings account is an easy access product rather than an investment pot.

How much cashback can I earn?+

Cashback runs at 1% on the Go plan, paid as cashback rewards rather than points or miles. It applies to spending while travelling outside the EEA, Switzerland and the UK, and only for a limited stretch of months, so everyday spending at home earns nothing.

What perks come with the paid plan?+

The Go plan bundles Travel insurance, Airport lounge access and Dedicated phone support, so the extras are travel focused rather than everyday banking discounts. The card itself is a debit card on mastercard, and a virtual card is among the listed features for online spending.

How do I get help if something goes wrong?+

Support runs on phone and help centre, and dedicated phone help is a listed perk of the paid tier. That means a call is available when a card is blocked abroad, though no live chat appears in the listed channels.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

N26 Go

N26 Go

Travel heavy spenders who will use the cashback, lounge access and insurance extras.

9.0/10Visit