Virtual cards

Virtual cards piece of work exactly like your physical banking company menu—they simply live in your digital wallet on your telephone instead of your concrete wallet. Secured past encryption, they offer a rubber and convenient way 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's the deviation?

A "virtual card" is stored on your telephone and can be used to pay contactless in stores or online, merely has its own unique card number, expiry date, and CVC. A "digital carte" is a copy of your physical banking company card that'due south stored on your telephone. Digital cards have the same card number, death date, and CVC equally your physical depository financial institution menu, and tin be used with Apple Pay or Google Pay. A "disposable card" is a virtual carte that tin only be used once. Once you've paid, the carte details can't exist used again.

The benefits of virtual cards

Leave your wallet at domicile

Virtual debit and credit cards are secure, simple to employ, and save you the inconvenience of having to conduct your wallet around.

Stay in command

You can instantly lock—and unlock—your virtual carte from your telephone at any fourth dimension.

Manage subscriptions

Utilize a dedicated virtual carte for all your recurring subscriptions, and easily lock it without losing admission to your principal banking company card.

Instant activation

Y'all don't have to wait for your card to arrive in the mail—kickoff 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 accustomed. It's 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 merely means that your sensitive carte data is always stored securely.

Security y'all tin can count on

Instant push notifications

Pair your N26 account to your smartphone and get real-time alerts on all account activeness, ensuring that simply you have 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 actress security against 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 business relationship are protected up to €100,000 past the German Deposit Protection Scheme.

Detect a plan for you

Pop

N26 Smart

The bank account that gives yous more command

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

N26 You

The debit bill of fare for everyday and travel

N26 You card, Petrol.
  • Up to 5 free withdrawals in the Eurozone
  • Flying and luggage filibuster encompass
  • Medical emergency comprehend
  • Winter activities insurance

N26 Metal

The premium business relationship with a metal card

N26 Metal - Charcoal Black.
  • An eighteen-gram metallic carte
  • Up to viii free withdrawals in the Eurozone
  • Car rental insurance
  • Telephone insurance

FAQs

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

A virtual debit card can exist used just like y'all would utilize a physical bank card. In add-on to online purchases, you can utilise a virtual card for contactless payments in stores by calculation it to Apple Pay or Google Pay. Some even allow you 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 two-gene authentication when making online payments.

To add together a virtual carte du jour to your N26 business relationship, go to the Cards tab in your N26 app and tap 'Get an additional card'. Select 'Virtual' and tap 'Choose', and then agree to the terms and weather and tap 'Generate virtual menu'.

A prepaid debit card is not linked to a bank account. One time yous run out of money on the carte, you need to top it upwardly with additional funds. In contrast, a virtual card is linked to your banking concern account and tin be used just like a normal debit card.

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

All N26 premium accounts let yous add a digital version of your physical N26 debit Mastercard to your digital wallet. Premium members can likewise add together a second virtual carte du jour to their accounts. Your actress virtual menu has its ain card number and tin exist locked without affecting your primary card.

The N26 Standard banking concern business relationship is free of charge—there are no minimum opening deposits, no minimum account residue requirements, and no maintenance fees.