Virtual cards

Virtual cards work exactly similar your physical banking company card—they just live in your digital wallet on your telephone instead of your concrete wallet. Secured past encryption, they offer a rubber and convenient manner to pay online and in-store.

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'due south the deviation?

A "virtual carte" is stored on your phone and can be used to pay contactless in stores or online, but has its own unique carte number, decease date, and CVC. A "digital bill of fare" is a re-create of your physical bank menu that'southward stored on your phone. Digital cards have the same carte number, death engagement, and CVC equally your physical bank bill of fare, and can exist used with Apple Pay or Google Pay. A "disposable card" is a virtual bill of fare that tin can only be used once. In one case yous've paid, the card details can't be used over again.

The benefits of virtual cards

Go out your wallet at home

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

Stay in control

Y'all can instantly lock—and unlock—your virtual card from your phone at whatsoever fourth dimension.

Manage subscriptions

Employ a dedicated virtual carte du jour for all your recurring subscriptions, and easily lock it without losing access to your main bank card.

Instant activation

You don't have to wait for your carte to arrive in the mail service—first using it from the moment it's created.

Pay securely—online and in-store

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

Security you tin can count on

Instant push notifications

Pair your N26 account to your smartphone and get real-fourth dimension alerts on all account activeness, ensuring that only you accept access to your money.

Your money, your settings

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

Advanced 3D Secure

Do good from extra security against fraud, thanks to a two-gene authentication step that protects your online purchases.

Protected up to €100,000

Thanks to our full cyberbanking license, the funds in your N26 business relationship are protected up to €100,000 by the German Eolith Protection Scheme.

Find a plan for you lot

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N26 Smart

The bank business relationship that gives you more than control

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  • Free Virtual Card
  • Upwardly to x Spaces sub-accounts
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N26 Yous

The debit card for everyday and travel

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  • Up to 5 free withdrawals in the Eurozone
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N26 Metal

The premium business relationship with a metal card

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  • An eighteen-gram metal card
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FAQs

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

A virtual debit card tin can exist used only similar yous would use a physical bank carte du jour. In improver to online purchases, you lot can use a virtual menu for contactless payments in stores by adding it to Apple Pay or Google Pay. Some fifty-fifty allow yous to withdraw coin from ATMs.

All virtual debit cards should be electronically encrypted to protect y'all from banking 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 'Get an additional carte'. Select 'Virtual' and tap 'Choose', and so concur to the terms and atmospheric condition and tap 'Generate virtual bill of fare'.

A prepaid debit card is not linked to a bank account. Once y'all run out of money on the card, you demand to summit it upwardly with additional funds. In contrast, a virtual carte is linked to your depository financial institution account and can be used just like a normal debit carte du jour.

When a virtual card has the same number as your physical bank card, it'due south ofttimes referred to every bit a digital bill of fare—because information technology'southward a digital version of your physical carte. "Virtual menu" usually refers to a card that but exists in digital class and is not linked to any physical carte.

All N26 premium accounts let you add a digital version of your physical N26 debit Mastercard to your digital wallet. Premium members tin besides add together a second virtual carte to their accounts. Your actress virtual carte du jour has its own card number and tin can be locked without affecting your main card.

The N26 Standard depository financial institution account is gratuitous of charge—at that place are no minimum opening deposits, no minimum account balance requirements, and no maintenance fees.