Which N26 account is right for you?

N26 offers four different account plans. At first glance, that can be confusing. I looked at all of them and summarised who each one makes the most sense for.

Students and trainees: Standard (free)

If you don't have a regular income yet or simply want a free account, the Standard plan is enough. You get a virtual debit card immediately, can withdraw euro cash 2 times per month for free, and pay zero account fees. The physical card costs a one-time 10 EUR - but you can skip it if you pay with your phone anyway.

Professionals with savings goals: Smart (4.90 EUR/mo)

If you want to split your salary into structured categories, Spaces are the key feature. These are sub-accounts where you can automatically transfer money via standing order. One Space for rent, one for holidays, one as an emergency fund. Plus 3 free euro withdrawals per month and a coloured debit card. For under 5 EUR a month, a solid solution for anyone wanting to organise their finances.

Frequent travellers and digital nomads: Go (9.90 EUR/mo)

The key advantage of Go over Smart is travel cash: withdrawals outside the eurozone are free. Card payments are free worldwide in all personal plans according to N26. Travel benefits are included as well. If you regularly need cash outside the eurozone, Go can make more sense than Standard or Smart.

For those who want the maximum: Metal (16.90 EUR/mo)

Metal offers everything Go has, plus 8 instead of 5 free euro withdrawals, higher savings interest, an extended insurance package, and a stainless steel metal card. Worth it mainly if you frequently need cash and value premium benefits.

My recommendation

For most people, the free Standard account or Smart is more than enough. Go is mainly useful if you regularly withdraw cash outside the eurozone. Metal is a premium product for those who consciously want the full package. My tip: start with Standard and upgrade later if you notice you need more.