Account tierUpdated
N26 Smart 2026: price and benefits
In October 2026 N26 Smart costs €4.90/month and brings a physical card and sub-accounts, but no insurance. Withdrawals outside the euro area are charged 1.7%.
Monthly price€4.90/ month
Currency markup0.00%
Travel insurancenot included
Loungeno free visits
N26 Smart: price
| Monthly price | €4.90/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | €4.90/month. No annual price is published. |
| Who can apply | N26 offers accounts to people living in Finland (Finland is on N26's list of target countries). N26's pages do not mention income requirements for paid tiers. |
Benefits
| Travel insurance | No travel insurance. |
|---|---|
| Lounge | Lounge passes can be bought in the app, €33 per visit. |
| Withdrawals abroad | 3 free ATM withdrawals in euros per month; outside the euro area 1.7% of the amount withdrawn. |
| Currency conversion markup on card payments | 0.00% |
| Purchase protection | No purchase protection insurance. |
|---|---|
| Cashback or points | No cashback. |
| Other | Physical debit card, 10 Spaces sub-accounts with an IBAN, budgeting automations. According to N26, card payments abroad are free of charge. |
Bank and packages
Related guides
Sources
- N26: Compare plans (EU site, Finland listed as a market)retrieved 16 October 2026
- N26: Where is N26 available (FAQ lists Finland)retrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Frequently asked questions
How much does N26 Smart cost?
In October 2026 N26 Smart costs €4.90/month. €4.90/month. No annual price is published.
What benefits does N26 Smart include?
In October 2026 Travel insurance: No travel insurance. Lounge: Lounge passes can be bought in the app, €33 per visit. Cashback or points: No cashback. Currency conversion markup on card payments: 0.00%.