✅ N26 Standard: free current account that’s simple to set up
✅ Virtual card available instantly after account approval – physical card for only €10
✅ No extra fees for purchases in foreign currencies, using Mastercard’s official exchange rate
✅ Real-time financial management with an intuitive app packed with features
Why do we recommend the N26 Standard Credit Card?
The N26 is a pioneering digital bank that’s revolutionising banking across Europe, including Ireland. With a focus on technology, simplicity, and accessibility, this fintech has gained millions of satisfied customers.
The N26 Standard card comes with a free current account, making it ideal for avoiding unnecessary fees. Upon approval, you gain immediate access to a virtual card for online and digital payments. If needed, a physical card can be requested for a one-time fee of just €10 – one of the lowest in the market.
A key highlight is zero fees on international transactions. Purchases in foreign currencies are processed using Mastercard’s official exchange rate, with no added costs. This makes the card a top pick for frequent travellers or those who shop on international websites.
The app is another game-changer. It allows you to set spending limits, create savings spaces, and receive instant notifications for every transaction. Its simple and intuitive design makes financial control easy and accessible for everyone.
On top of that, N26 provides robust security. All deposits are protected up to €100,000 under the German Deposit Guarantee Scheme, ensuring peace of mind for your financial transactions and making it a trusted option in Ireland.
Author’s opinion
N26 enjoys a stellar reputation in Ireland, thanks to its blend of innovation, transparency, and customer focus. While it doesn’t have physical branches, this is more than compensated by an efficient online support system and a seamless digital platform that works brilliantly for most users.
The Standard Card is highly recommended for those who value practicality and cost-efficiency. Its lack of maintenance fees, international shopping benefits, and full control via the app are perfect for a modern, connected audience.
However, if you prefer in-person service, the N26 digital model might not meet your expectations. That said, for those open to innovation, this card offers advantages few competitors can match.
How to apply for the N26 Standard credit card
The process to apply for the N26 Standard Credit Card is fully digital, quick, and straightforward. Follow these steps to get yours:
↪ Visit the N26 official website: Go to the site and select the option to open an account
↪ Fill out the registration form: Provide your personal details and choose the free Standard plan
↪ Download the N26 app: Available for iOS and Android, the app will be your tool for identity verification and account management
↪ Verify your identity: Use the app to upload documents and complete the verification process – it’s fast and hassle-free
↪ Start using your virtual card: Once approved, your virtual card will be ready for immediate use.
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