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Using Revolut Abroad

<article>
<h2>How To Use Revolut Abroad</h2>
<p>Revolut offers one of the best travel cards for payments abroad. If you are a frequent traveler who often pays in different currencies and spends time in airports, the Revolut travel card is worth considering.</p>
<p>In this guide, we will explain <strong>how to use Revolut abroad</strong>. The Revolut travel card lets you withdraw cash when traveling and pay for goods or services abroad. You can, however, also benefit from complimentary travel insurance or airport lounge passes.</p>
<p>In this article, we will explain the benefits and disadvantages of using Revolut abroad so you know how the Revolut travel card works.</p>
<div class="checklist-box">
<h3>Verified &amp; Tested In +20 Countries</h3>
<p>The team behind P2P Empire, has tested the Revolut travel card in more than 20 countries. This blog post includes practical tips on getting the most benefits from using Revolut abroad.</p>
</div>
<h2>Using Revolut Abroad - Pros &amp; Cons</h2>
<p>When traveling abroad, you must have a reliable travel card enabling you to withdraw cash or pay for your accommodation. Some banks aren't suitable for traveling abroad, so you should also consider the pros and cons of the Revolut travel card.</p>
<div class="pros">
<h3>Pros Of Using Revolut Abroad</h3>
<ul>
<li>The Revolut Travel Card from Mastercard is accepted globally in most ATMs and vendors.</li>
<li>Unlimited no-fee payments in any currencies</li>
<li>Best exchange rate for payments in foreign currencies</li>
<li>Unlimited virtual cards</li>
<li>No-Fee ATM withdrawals from &pound;200 / &pound;800 per month</li>
<li>Instant mobile notifications for transactions with your Revolut travel card</li>
<li>Secure mobile app with the ability to freeze lost or stolen travel cards</li>
<li>Travel insurance for Revolut Premium and Metal users</li>
<li>Travel card replacements in case of lost or stolen travel cards</li>
</ul>
</div>
<div class="cons">
<h3>Cons Of Using Revolut Abroad</h3>
<ul>
<li>Low limits on ATM withdrawals for Revolut Standard and Plus users</li>
<li>Limited travel insurance coverage</li>
</ul>
</div>
<p>As you can see, using Revolut abroad has many advantages, which you will certainly appreciate. Are you ready to order your Revolut travel card?</p>
<button class="redirect external_link_button promo" value="revolut">Order Your Travel Card</button>
<p><mark>Remember that Revolut will only work abroad when connected to the internet. Ensure to get a suitable data plan when traveling to benefit from Revolut's features fully. Compare the best international data plans on <a href="https://simpackers.com/">Simpackers.com</a>.</mark></p>
<h2>Revolut Travel Card</h2>
<p>When using Revolut abroad, you want to have <strong>at least one physical Revolut card</strong>.</p>
<p>While the support for contactless payments via Google Pay and Apple Pay is increasing, it's still unavailable in all countries. We recommend ordering a physical card so you can be <strong>confident that you can use it to withdraw money from ATMs or pay for services</strong>.</p>
<p>There are various Revolut travel cards to choose from. Let's explain every Revolut travel card option, so you can decide which one fits your needs.</p>
<p>Here is a quick overview of Revolut's plans. Continue reading our guide about using Revolut abroad to find out which Revolut travel card is the best match.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Service</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>Price</td>
<td>No-Fee</td>
<td>&pound;2.99 or /month</td>
<td>&pound;6.99 / month</td>
<td>&pound;12.99 / month</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;200/m or 5x</td>
<td>&pound;200/m</td>
<td>&pound;400/m</td>
<td>&pound;800/m</td>
</tr>
<tr>
<td>Personalized cards</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>No</td>
<td>Yes</td>
<td>No-Fee express</td>
<td>No-Fee express</td>
</tr>
<tr>
<td>24/7 priority support</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
</tr>
</tbody>
</table>
<h2>Revolut Standard Travel Card</h2>
<p>If you are on a budget and looking for a no-fee Revolut Travel Card, the Revolut Standard plan is the best option.</p>
<p>You only need to pay &pound;4.99 to cover the shipping fees of your new Revolut travel card. The Revolut card itself is issued for all registered clients.</p>
<p>Keep in mind that the Revolut Standard plan doesn't offer express delivery and it can take up to 10 days to receive your Revolut travel card.</p>
<p><mark>If you are traveling abroad soon, you should perhaps consider the <a href="https://p2pempire.com/en/revolut-premium-review">Revolut Premium</a> or Metal plans that come with no-fee express delivery. </mark></p>
<p>Here are some of the features that the Revolut Standard plan offers.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Standard Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;0</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;200/m or 5x</td>
</tr>
<tr>
<td>No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>No</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>No</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>No</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>As you can see, there aren't many features that come with the Revolut Standard plan. If you want additional perks, you can easily upgrade your plan.</p>
<h2>Revolut Plus Travel Card</h2>
<p>Revolut Plus is a newly launched plan that lets you personalize your Revolut travel card. If you are someone, who prefers to choose a unique design for your card, this plan is a good fit for you.</p>
<p>Additionally, Revolut will <strong>waive the shipping fee</strong>, and you will also get <strong>24/7 priority support</strong> via the Revolut app.</p>
<p>The Revolut Plus plan costs &pound;2.99 per month. If you decide to pay the annual plan upfront, you will get a <strong>discount of around 20%</strong>.</p>
<p>Here are the features of the Revolut Plus travel card.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Plus Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;2.99</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;200/m</td>
</tr>
<tr>
<td>No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>No</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>The most valuable feature of the Revolut Plus travel card, which you will use when traveling abroad, is the 24/7 priority support.</p>
<p>When using banking products abroad, you want to be able to reach someone if you encounter an issue. You can be sure that sooner or later, you will find yourself in a situation where a transaction is blocked or your Revolut travel card gets lost or stolen. In that scenario, <strong>Revolut's 24/7 priority support is worth every penny</strong>.</p>
<h2>Revolut Premium Travel Card</h2>
<p>When using Revolut abroad, you certainly want to have the option to withdraw money to pay for travel expenses. The Revolut travel card with the Premium plan allows you to <strong>withdraw </strong><strong>&pound;400 per month </strong>(or equivalent).</p>
<p>In many developing countries, it's not as easy to pay for goods and services with your card, as you might be used to in your home country. If you are traveling to South America, Asia or Africa, you will almost certainly have to withdraw cash at some point during your trip.</p>
<p>The Revolut Premium Travel Card costs &pound;6.99 per month and you will receive it within <strong>three business days with Revolut's no-fee express delivery</strong>.</p>
<p>Here are all the features of the Revolut Premium plan.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Premium Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;6.99</td>
</tr>
<tr>
<td>No-fee ATM withdrawals</td>
<td>&pound;400/m</td>
</tr>
<tr>
<td>No-fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>Continue reading to determine which Revolut plan offers the best travel insurance coverage.</p>
<h2>Revolut Metal Card (Editor's Pick)</h2>
<p>The <a href="https://p2pempire.com/en/revolut-metal-review">Revolut Metal Card</a> is the best plan for expats, digital nomads, or people who frequently travel abroad. The Revolut Metal plan enables you to withdraw up to &pound;800 (or equivalent) per month from any ATM worldwide.</p>
<p>In addition to <strong>no-fee express delivery</strong>, and <strong>fancy-looking metal travel card</strong> you will also be able to receive <strong>cashback </strong>on your purchases abroad.</p>
<p><a href="https://p2pempire.com/en/revolut-free-money">Revolut is literally giving away money</a>.</p>
<p>If you are <strong>spending your money in Europe, Revolut will pay you 0.1% cashback</strong>; if you are spending <strong>outside Europe, you will get a 1% cashback on all payments up to </strong><strong>&pound;12.99 per month</strong>, covers the monthly price of the Revolut Metal plan.</p>
<p>If you decide to purchase the Revolut Metal annual plan, you will get a 20% discount. By using Revolut abroad (Metal), you can essentially pay off any fees with cashback, making it<strong> the best travel card for frequent travelers</strong>.</p>
<p>Here are the features you get when using Revolut Metal abroad.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Metal Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;12.99</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;800/m</td>
</tr>
<tr>
<td>No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>Yes</td>
</tr>
</tbody>
</table>
<button class="redirect external_link_button promo" value="revolut">Get Your Metal Card</button>
<h2>Fees When Using Revolut Abroad</h2>
<p>When using Revolut abroad, you must pay your monthly fee, depending on your Revolut plan.</p>
<p><mark>If you have purchased the discounted annual plan, you won't be paying anything on a monthly basis.</mark></p>
<p>If you are using the no-fee Standard plan, you don't have to pay any recurring fees, but the <strong>no-fee ATM withdrawal limits are limited</strong>, and you also don't get all the other travel perks offered by Premium and Metal plans.</p>
<p>While payments worldwide are at np extra cost, you must pay a ATM withdrawal fee if you reach the no-fee monthly ATM withdrawal limit offered by your Revolut plan.</p>
<p>In this table, you can review the fees that Revolut charges if you wish to withdraw more than what's offered in your Revolut plan.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Revolut Fees</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>ATM withdrawal above the limit</td>
<td>2% (min. &pound;1)</td>
<td>2% (min. &pound;1)</td>
<td>2%</td>
<td>2%</td>
</tr>
</tbody>
</table>
<p>That's the only fee you must pay when using Revolut abroad. In certain situations, however, you might lose your Revolut travel card, which can cause further fees.</p>
<h2>Revolut Replacement Card</h2>
<p>When using Revolut abroad, you may, at some point, lose your card, or it get's stolen. The first step is to<strong> freeze your Revolut travel card</strong> in your Revolut app on your mobile phone.</p>
<div class="tips-box">
<ol>
<li>Log in to your Revolut app</li>
<li>Navigate to the "Cards" tab</li>
<li>Choose your physical card that is lost</li>
<li>Click on Freeze</li>
</ol>
</div>
<p>You can <strong>also unfreeze cards</strong> if you find your card later.</p>
<p>If you don't recover your lost card, it's time to request a replacement. There is nothing more frustrating than losing access to your money while being in a foreign country.</p>
<p>Getting a card replaced can be pretty frustrating with some banks. Certain banks don't allow you to request a new card online, others send your replacement card to your home address which is pretty useless if you need the card abroad.</p>
<p>Revolut is one of the best banks we reviewed, which <strong>sent a replacement card to us while we were still abroad</strong>.</p>
<p>To do so, you need an address, and Revolut can ship you the replacement card in just a few days. You can use the address of your accommodation and Revolut in many countries; you will request express delivery, which is priceless when using Revolut abroad.</p>
<p>You can order a Revolut replacement card directly from your Revolut app. The fees to get your card replaced depend on your Revolut plan.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Revolut Fees</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>Card replacement</td>
<td>&pound;5 + delivery fee</td>
<td>&pound;5 + delivery fee</td>
<td>&pound;5 + delivery fee</td>
<td>&pound;35 + delivery fee</td>
</tr>
</tbody>
</table>
<p><mark>When traveling abroad, we always recommend having at least two physical cards from various banks, kept at two separate places so if one gets lost, you can still access your money. Learn more about an alternative travel card in our <a href="https://p2pempire.com/en/n26-review">N26 review</a>.</mark></p>
<h2>Revolut Travel Insurance Abroad</h2>
<p>Revolut offers basic travel insurance for Premium and Metal plans. The travel insurance coverage for Metal plan users is somewhat higher as shown in the following table.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Insurance &amp; Travel</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>No-Fee currency exchange during weekdays</td>
<td>&pound;1,000/limit</td>
<td>&pound;1,000/limit</td>
<td>Unlimited</td>
<td>Unlimited</td>
</tr>
<tr>
<td>Overseas medical insurance</td>
<td>No</td>
<td>No</td>
<td>&pound;10M/y limit</td>
<td>&pound;10M/y limit</td>
</tr>
<tr>
<td>Car hire excess</td>
<td>No</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Personal liability insurance</td>
<td>No</td>
<td>No</td>
<td>No</td>
<td>&pound;1 M/y limit</td>
</tr>
<tr>
<td>Flight insurance</td>
<td>No</td>
<td>No</td>
<td>&pound;5,000/y limit</td>
<td>&pound;5,000/y limit</td>
</tr>
<tr>
<td>Baggage loss, damage or delay</td>
<td>No</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;1,000/y limit</td>
</tr>
<tr>
<td>Winter sport cover</td>
<td>No</td>
<td>No</td>
<td>&pound;3,000/y limit</td>
<td>&pound;3,000/y limit</td>
</tr>
<tr>
<td>No-Fee lounge access with SmartDelay</td>
<td>No</td>
<td>No</td>
<td>You +1 friend</td>
<td>You +3 friends</td>
</tr>
<tr>
<td>Discounted airport lounge access</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Theft and accident coverage</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;2,500/y limit</td>
<td>&pound;10,000/y limit</td>
</tr>
<tr>
<td>Ticket and event coverege</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;1,000/y limit</td>
<td>&pound;1,000/y limit</td>
</tr>
<tr>
<td>Refund protection</td>
<td>No</td>
<td>&pound;600/y limit</td>
<td>&pound;600/y limit</td>
<td>&pound;600/y limit</td>
</tr>
<tr>
<td>Purchase protection</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;2,500/y limit</td>
<td>&pound;10,000/y limit</td>
</tr>
</tbody>
</table>
<p>Remember that while the Revolut travel insurance abroad is an excellent option for "emergencies", it comes with certain limitations.</p>
<p>If you travel for <strong>more than 90 days</strong> and something happens to you, Revolut's travel insurance <strong>won't cover you</strong>.</p>
<p>If you are doing a gap year, relocating for a more extended period, or just moving abroad permanently, Revolut's medical insurance is pretty worthless, and you need to get dedicated travel insurance with a third party like Safetywing.</p>
<h3>Lounge Access &amp; Airport Travel Perks</h3>
<p>Revolut's travel insurance and SmartDelay feature are for travelers who spend a lot of time in the airport.</p>
<p>Premium and Metal users can get discounted access to Airport Lounges and their baggage is insured for up to &pound;1,000 / year if lost, damaged, or delayed.</p>
<p>Additionally, there is also flight insurance of up to &pound;5,000, which is great if your flight gets canceled and you need to extend your stay or look for alternative transportation.</p>
<p>With SmartDelay, you get a no-fee lounge pass for if your flight is delayed for more than one hour.</p>
<p><mark>To activate this feature, you must register your flight in the Revolut app at least two hours before departure. </mark></p>
<h2>Using Revolut Abroad - Is It Safe?</h2>
<p>Using Revolut abroad is safe if you use common sense while being abroad.</p>
<p>If you use your Revolut travel card to withdraw cash from trusted banks or pay for services with trusted vendors, not much could go wrong.</p>
<p>Revolut's travel cards are accepted worldwide; you can use virtual and physical cards simultaneously to pay for services and goods hassle-free.</p>
<p>You can set up notifications on your mobile phone to get a quick overview of transactions, which is very useful.</p>
<p>The notification will show you the paid amount in foreign and local currency. That way, you don't need to calculate the exchange rate between currencies when traveling abroad and paying with the Revolut travel card.</p>
<p><mark>Find out how Revolut compares to Wise in our ultimate comparison <a href="https://p2pempire.com/en/wise-vs-revolut">Wise vs Revolut</a>.</mark></p>
<p>The Revolut app allows you to locate trusted ATMs nearby and set up spending limits or enable and disable online transactions, swipe and contactless payments, or ATM withdrawals for any physical card.</p>
<p>Revolut travel card is a great companion when traveling abroad. If you are looking for a reliable bank with valuable features and benefits abroad, Revolut is undoubtedly an excellent fit.</p>
<p><mark>While we <strong>recommend using the Revolut Metal annual plan</strong>, you can also test Revolut Premium for the first three months and cancel later should you not be happy with the services.</mark></p>
<p class="question">Order your Revolut travel card before the promotion ends.</p>
<button class="redirect external_link_button promo" value="revolut">Get Your Your Card</button><center>
<p>Or explore our in-depth <a href="https://p2pempire.com/en/revolut-review">Revolut Review</a>.</p>
</center></article>

Revolut Review 2023

Revolut Review 2023 after five years ⏩ Is Revolut worth it? ☑️ Revolut fees ✅ Comparison of Revolut Plans ⭐ Is Revolut safe?

Revolut Review 2023 | Is Revolut Worth It?

Is Revolut worth it?

<article>
<h2>N26 Review - After 6 Years</h2>
<p>Are you looking for a modern banking experience that fits your lifestyle? If so, the N26 bank might be worth considering. In this review of N26, we&rsquo;ll take an in-depth look at the features and services offered by this digital bank to help you decide if it is right for you.</p>
<p>We&rsquo;ll cover topics such as N26's safety, mobile app offerings, customer service options, and more. By the end of this review, you should better understand whether or not using N26 would benefit your financial needs.</p>
<h2>What is N26?</h2>
<p>The N26 is a licensed bank in Germany that launched one of the first mobile banks on the market. Today the bank offers its banking app to users from all over Europe looking for a modern and well-built mobile baking experience.</p>
<div class="checklist-box">
<h3>N26 Overview</h3>
<ul>
<li>Get a german bank account</li>
<li>Mobile-first banking experience</li>
<li>Cheap transfers in foreign currencies via <a href="https://p2pempire.com/en/wise-money-transfer">Wise money transfer</a></li>
<li>Low fees</li>
</ul>
</div>
<p class="question">Are you ready to embrace the mobile banking experience with N26?</p>
<button class="redirect external_link_button promo" value="n26">Open your free N26 account</button>
<h2>N26 Pros And Cons</h2>
<p>As with any bank account, there are always pros and cons that you should consider before registering.</p>
<div class="pros">
<h3>Pros of N26</h3>
<ul>
<li>Free bank account</li>
<li>Three product tiers with various features</li>
<li>Unlimited free ATM withdrawals in the EU</li>
<li>Free virtual card</li>
<li>Regulated in Germany</li>
</ul>
</div>
<div class="cons">
<h3>Cons of N26</h3>
<ul>
<li>Cards can only be sent to your home address; if you lose your card abroad, N26 won't be able to deliver you a new one</li>
<li>The differences between some of the N26 accounts are marginal</li>
</ul>
</div>
<h2>Who is the N26 bank account suitable for?</h2>
<p>N26 suits anyone looking for a bug-free mobile banking app to manage their finances and save, send, and receive money. It's suitable for anyone living an international lifestyle. If you often send money in different currencies or travel to various countries, N26 is one of the best banking products on the market.</p>
<h2>Who can apply for the N26 debit card?</h2>
<p>Anyone over 18 years old who resides in the following countries is eligible to open an N26 bank account and order an N26 card: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.</p>
<p>The N26 bank account isn't available for Non-European residents.</p>
<div class="checklist-box">
<h3>Suitable bank for P2P investors</h3>
<p>N26 Bank GmbH is also a suitable digital bank for European P2P investors who wish to open a free bank account. Most European <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">P2P lending platforms</a> require investors to send money from a EUR bank account. The N26 bank is a suitable option to consider.</p>
</div>
<h2>How to open an N26 bank account?</h2>
<p>Opening an N26 bank account is straightforward and can be done online within ten minutes. Click here to get started.</p>
<div class="tips-box">
<ol>
<li>Select your country of Residence</li>
<li>Insert your personal information, mobile phone, home address, and tax information, and create a password</li>
<li>Download the app</li>
<li>Verify your identity</li>
<li>Approve your account and order your N26 account</li>
</ol>
</div>
<p>While the application is speedy, verifying and activating your account may take a few hours or days.</p>
<h2>N26 fees</h2>
<p>When it comes to banking services, fees are often an essential factor to consider. The N26 bank offers a free service for users who want to use virtual cards.</p>
<p>You must pay a monthly fee for a physical card or additional features.</p>
<p>If you want to open an N26 bank account, the fee you will pay depends on the account type you will sign up for and the service you will use.</p>
<p>Here is a breakdown of account types as well as fees to consider.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/n26-fees.webp" border="0" alt="n26-fees" width="auto" height="auto" loading="lazy" />
<h3>N26 Standard</h3>
<p>N26 Standard is a free N26 bank account with a free virtual card and an optional physical card which costs &euro;10.</p>
<p>This bank account offers the following features:</p>
<div class="checklist-box">
<ul>
<li>Free virtual card</li>
<li>Free contactless payments</li>
<li>Mobile payments</li>
<li>100% mobile banking</li>
<li>Free payments worldwide</li>
<li>3 domestic ATM withdrawals</li>
<li>Unlimited domestic cash withdrawals with CASH26 partners</li>
<li>Unlimited free ATM withdrawals in the EU</li>
<li>In-app chat</li>
</ul>
</div>
<p>The N26 Standard account is excellent for students or users seeking essential banking services.</p>
<p>This account offers only three domestic ATM withdrawals for free. If you need more, you will have to pay a &euro;2 withdrawal fee in your home country. Alternatively, you can use CASH26 retail shops in Germany without any limitations for free.</p>
<p><mark>The CASH26 retail shops can be located through your N26 banking app.</mark></p>
<p><strong>The total cost for N26 Standard will be &euro;10 for the optional card and &euro;2 ATM withdrawal fee if you exceed your three free domestic ATM withdrawals. </strong></p>
<h3>N26 Smart</h3>
<p>N26 Smart bank account will cost you &euro;4.90 per month. A physical debit card is included in the monthly subscription price. In addition to the perks you get with N26 Standard, you will also benefit from the following:</p>
<div class="checklist-box">
<ul>
<li>5 free domestic ATM withdrawals</li>
<li>Phone support</li>
<li>Access to "Spaces" which is a savings feature in the N26 app</li>
<li>Free debit card in five different colors</li>
</ul>
</div>
<p>The N26 Smart does only give you two more free domestic ATM withdrawals and the free debit card available in 5 color variations. The N26 Smart debit card will only pay off if you use the five free ATM domestic withdrawals.</p>
<p><mark>N26 runs a 2-month Smart free trial promotion for all Standard users, so if you sign up, you can access this promo from your phone. </mark></p>
<p>The annual cost for the N26 Smart in the first year is &euro;49 if you use the 2-month free trial and continue paying for the remaining ten months every month.</p>
<p>If you decide to pay for the annual subscription immediately after your 2-month trial, you will get a 20% discount, meaning you pay around &euro;47 for 14 months.</p>
<p>If you know that you will use at least 5 ATM withdrawals in your home country, then the N26 Smart is a much better deal for you.</p>
<p><mark>N26 Standard and N26 Smart users will have to pay a 1.7% ATM withdrawal fee for withdrawals abroad. </mark></p>
<h3>N26 You (Editor's Choice)</h3>
<p>N26 You is the perfect bank account for travelers who seek additional perks such as travel insurance and free ATM withdrawals worldwide.</p>
<p>The N26 You account offers the same perks as N26 Smart but also:</p>
<div class="checklist-box">
<ul>
<li>Free ATM withdrawals abroad</li>
<li>Best currency exchange rates</li>
<li>Medical travel insurance</li>
<li>Travel cancellation insurance</li>
<li>Pandemic travel coverage</li>
<li>Flight insurance</li>
<li>Luggage coverage</li>
<li>Mobility Insurance</li>
<li>Winter sports insurance</li>
</ul>
</div>
<p>The most significant benefit of the N26 You account is free ATM withdrawals worldwide. This is handy if you travel a lot, as not every country is as cashless as western Europe.</p>
<p>Not only are you not being charged any fees from N26 to withdraw cash abroad, but you will also get the best exchange rate if you let N26 make the conversion and not the local ATM machine.</p>
<p>Depending on your usage of this feature, you can likely pay the subscription price back with just the ATM withdrawals. N26 You also offers a list of travel insurance perks if you pay for your trip with your N26 bank card.</p>
<p>Especially the insurance for travel and flight cancelations, delays, and luggage coverage is useful in unexpected travel situations.</p>
<p>The insurance package is provided by Allianz Assistance and covers the following:</p>
<div class="checklist-box">
<ul>
<li>Medical insurance up to &euro;1,000,000 for you, your partner, and your kids in case of emergencies</li>
<li>Compensation of up to &euro;500 for flight delays over 4 hours.</li>
<li>Compensation of up to &euro;500 for baggage delays over 12 hours and up to &euro;2,000 if it goes missing.</li>
<li>Trip cancellation or curtailment up to &euro;10,000.</li>
</ul>
</div>
<p><strong>The N26 You account costs &euro;9.90 per month or &euro;95 per year if you are opt-in to pay the annual fee upfront.</strong></p>
<p>The N26 You account is likely your best option if you are a frequent traveler.</p>
<h3>N26 Metal</h3>
<p>N26 Metal is a premium N26 bank account with a metal debit card. This subscription plan offers the same features as the N26 You plan with the following additional perks:</p>
<div class="checklist-box">
<ul>
<li>18-gram metal card</li>
<li>8 Free domestic ATM withdrawals</li>
<li>Phone insurance of up to &euro;1,000 for mobile theft and damage</li>
</ul>
</div>
<p>The price of the N26 Metal is &euro;16.90 per month if you choose to pay monthly or &euro;162 for the annual plan. You essentially save &euro;40 by opting for the yearly membership.</p>
<p>The value you get from the additional cost of the N26 Metal compared to N26 You isn't worth it, in our opinion. The metal debit card is more of a status symbol as it doesn't provide any enhanced functionality compared to a plastic card.</p>
<p>If you don't need three additional free domestic ATM withdrawals and mobile insurance, the N26 Metal isn't worth the added cost.</p>
<div class="alert-box">
<h3>Fees for Incoming SWIFT transfers</h3>
<p>While SEPA transfers are free, N26 bank will charge you &euro;12,50 + 0,1% of the transaction amount for any incoming SWIFT transfers. You will be charged this fee independently from your subscription.</p>
</div>
<h2>N26 Banking App</h2>
<p>The N26 banking app is available for mobile and desktop devices, although most users will likely only use it on their phones.</p>
<p>The app offers a handy overview of your spending, balances, and transactions.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/n26-app.webp" border="0" alt="n26-app" width="auto" height="auto" loading="lazy" />
<p>You can quickly locate your recent transactions, top-up your account, send money, or schedule transfers.</p>
<p>As with every modern bank account, you can easily download bank statements. The usability of the N26 bank is superior to most traditional banks.</p>
<p>The N26 banking app does a great job of categorizing your expenses and managing your monthly budget. It can also be used as a budgeting tool that helps you keep track of your finances.</p>
<h3>N26 Spaces</h3>
<p>N26 Spaces is here to help you put money aside for trips or future expenses. It's a handy tool that will help you save money without even thinking about it. You can imagine it like a digital piggy bank.</p>
<p>N26 Spaces also support "round-ups" that automatically round up your expenses and save the change in a dedicated space.</p>
<h3>Perks And Insurances</h3>
<p>N26 premium users can also benefit from various insurances and perks that N26 offers. You can find it in your app's "Explore N26" section.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/n26-bank-review.webp" border="0" alt="n26-bank review" width="auto" height="auto" loading="lazy" />
<p>This is also the view where you can file an insurance claim or explore other products that N26 offers.</p>
<p>Overall the N26 banking app offers all you might need from a mobile-friendly digital bank.</p>
<h2>N26 Business Account</h2>
<p>N26 also offers an N26 business account for freelancers with a 0.1% cashback on all card purchases.</p>
<p>The account offers a dedicated debit card and five free ATM monthly withdrawals. You can pay in any currency; the bank won't charge you for foreign transactions.</p>
<p>The N26 business account offers similar budgeting features and statistics as the regular N26 bank account. The business account offers a handy feature that uses "Spaces" to set money aside for tax payments. This account also supports SEPA Instant Credit Transfers for speedy payments.</p>
<p>The N26 business account is made for freelancers or self-employed people and can provide an excerpt from a business registry.</p>
<p>N26 offers the same free and premium tiers as personal accounts.</p>
<p>The N26 business account is available for freelancers from Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.&nbsp;</p>
<p>Unfortunately, N26 doesn't allow users to simultaneously own personal and business accounts. You can either get a personal or business account.</p>
<p><mark>While there is a workaround for this, and N26 offers a Meastro card for personal expenses, we don't think it's worth it, considering the cost and the usability of Meastro cards. </mark></p>
<h2>Is N26 Safe?</h2>
<p>N26 is a regulated German bank, meaning that the deposit protection scheme protects your money up to &euro;100,000.</p>
<p>The banking app offers a variety of security features such as passwords, PINs, two-factor authentication, and biometrics. You will also be asked to verify your login or any outgoing payments.</p>
<p>The N26 app allows you to enable notifications so you can be constantly updated about any activity on your account.</p>
<p>We have been using the N26 bank for more than six years, and we haven't had any issues with the app. Customer support is available through in-app chat, so you can ask for help within just two minutes directly from your phone should you ever need assistance.</p>
<h2>Final Takeaways</h2>
<p>N26 is an excellent choice for an affordable and convenient digital banking experience.</p>
<p>With great features like a mobile app, low fees, and free international transfers, it&rsquo;s an excellent option for those seeking an alternative to traditional banking.</p>
<p>If you sign up and opt-in to one of the paid plans, we suggest the N26 You annual membership. This plan offers excellent value for money, especially if you travel frequently.</p>
<p class="question">Ready to manage your finance with N26?</p>
<button class="redirect external_link_button promo" value="n26">Open account</button></article>

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