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N26 Mastercard (debit, Go plan) (Germany) cashback rate, cap and annual fee

N26 Mastercard (debit, Go plan) pays 1% at in-person payments outside the EEA, CH and UK (Go/Metal promotion). The card costs EUR 118.80 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

N26 · Germany · catalogue v117

Read from N26's own published terms on 30 Oct 2026.

EUR 118.80Annual fee
1%Best rate

What it pays, by category

SpendingRateMonthly cap
in-person payments outside the EEA, CH and UK (Go/Metal promotion)travel1.00%—1% cashback on in-person card payments outside the EEA, Switzerland and the UK, for 12 months from enrolling; Go and Metal plans only; enrolment open
everything elseNone—No cashback on payments at home or in the EEA.
A debit Mastercard on an N26 current account. Fixed: the entry was filed as Visa. N26 pays no reward of its own; its one rate is a promotion for Go (EUR 9.90 a month, EUR 118.80 a year, recorded as the fee) and Metal (EUR 16.90) customers: 1% on in-person point-of-sale payments outside the EEA, Switzerland and the UK, for at most 12 months from enrolling, credited every 35 days. Online payments, ATMs, gambling and quasi-cash do not count. Enrolment closes 30 Jan 2027 and running promotions were extended to 31 Jan 2027, so this needs a re-read then. Card payments worldwide are free. Source: n26.com/en-de/plans pricing page and the promotion terms at n26.com/hb-ex, read 30 Oct 2026.

Questions people ask

What cashback does the N26 Mastercard (debit, Go plan) pay?

1% at in-person payments outside the EEA, CH and UK (Go/Metal promotion).

Is there a cap on the N26 Mastercard (debit, Go plan)?

No monthly cap is published on the rates shown here.

What is the annual fee on the N26 Mastercard (debit, Go plan)?

EUR 118.80 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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