Neobank N26 is expanding its offering of virtual payment cards as a security tool. Since November 2025, not only premium customers but also holders of the free standard account have been able to use additional virtual Mastercards. Up to six virtual cards can be activated per account at the same time.
N26: Indiviuelle Virtual Cards
- Pay worldwide free of charge
- Up to 6 individual virtual cards
- Pay securely with Click to Pay
Action at a glance
Table of Contents
According to information on the N26 website, virtual cards are generally included in all account packages. Standard customers receive a virtual Mastercard free of charge when opening an account. Premium account users can order up to six additional virtual cards at no extra charge. As part of a limited winter edition until December 31, 2025, N26 is offering four festive special designs that are also available free of charge to standard customers.
The setup is done directly via the N26 app in the maps area and is completed quickly. Linking to wallets from Apple, Google, Samsung or Garmin enables contactless mobile payments.
For standard customers, the regular charge for the second virtual card is EUR 2.59 per month and card. As part of the winter edition until the end of 2025, these fees for the festive designs will be waived. Premium customers can generally order virtual cards at no additional cost.
N26 offers virtual credit cards with an individual design
This is how ordering virtual cards works
- Open the N26 app and navigate to the maps area in the main menu.
- Call up “Get additional card”.
- Select “Virtual Card”.
- Accept the terms and conditions for virtual cards.
- Create a card and use it immediately for payments.
Important Conditions and Limitations
The limit of six simultaneously active virtual cards per account applies to all account models. Virtual maps that have already been created will remain in place even after the winter edition has expired and can continue to be used. Only new orders for special designs will no longer be possible after December 31, 2025.
One restriction affects customers in Italy. No additional virtual cards can be ordered there.
N26 has various designs for the virtual cards
Who are the virtual cards worthwhile for?
With the expanded offering, N26 is responding to a trend in digital banking. Competitors such as Revolut and Vivid have been offering virtual cards for a long time. The expansion to standard customers, albeit with fees starting with the second card, makes the feature accessible to a broader user base.
Virtual cards increase security for online shopping, streaming and subscriptions. Transactions are displayed in real time in the app, categorized and settled directly from the N26 checking account. In the event of a data leak or compromised card data, the affected virtual card can be deactivated without affecting the main card or other virtual cards. Saved payment methods on separate virtual cards at online retailers do not need to be updated.
The monthly fee of EUR 2.59 per virtual additional card for standard customers places N26 in the middle price segment in a credit card comparison; there are also free alternatives.
N26: Indiviuelle Virtual Cards
- Pay worldwide free of charge
- Up to 6 individual virtual cards
- Pay securely with Click to Pay
Conclusion: More security and flexibility
The expansion of the virtual card offering makes N26 more flexible and security-oriented. They make it easier to manage subscriptions and online purchases in a targeted manner. The winter edition until the end of the year allows additional virtual cards to be tested free of charge. If you want to use multiple virtual cards permanently, you should consider a premium account.
