PriceListapplicabletouserswhoregisterwithanaddress

inBelgium,Estonia,Finland,Greece,Ireland,Latvia,
Lithuania,Luxembourg,Netherlands,Portugal,Slovakia,
Slovenia(ListofPricesandServices)
(Version1.4,date:27/03/2017)

Pleasevisitourwebsiteforfurtherinformationonourfeesandservices.

AccountManagement Price

N26Account Free

N26Business Free
0,1% cashback will be credited on all purchases with the N26
BusinessMastercardeachquarter.

N26Black 5.90permonth
Yourmembershipfeesaredebitedautomaticallyfromyouraccount (membershipfee)
everymonth.
In addition to all the benefits of the standard N26 account and a
redesigned World Elite Mastercard, our premium product includes
anattractiveinsurancepackage.CurrentlyavailableinIreland.

PaymentCard

ReceivinganoptionalMastercard 2.90permonth1
(waivedforcustomerswhosignup
now)

ReceivinganadditionalMaestrocard Free
OnlyforcustomerswithshippingaddressintheNetherlands2

CashlessPayments

CashlesspaymentswithMastercard&MaestroCardinall Free
currenciesaroundtheworld Conversiontorealexchangerate
withoutforeigncurrencysurcharge

IncludesstampdutyforIrishcustomers.
1

Minimum 100 account balance required to order the additional Maestro card. (Contingent on ordering the optional
2

Mastercard)

Withdrawals/Deposits

3
MastercardwithdrawalsatATMsinEUR

WithdrawalswithintheEurozone:FairUsepolicy 5freeATMwithdrawalsper
calendarmonth,2.00per
additionalwithdrawal

MastercardwithdrawalsatATMsinothercurrencies:
ForN26Blackusers Free
ForBusinessandCurrentAccount 1.7%ofamountdrawn

MaestrocardwithdrawalsatATMsworldwideinEUR 2.00perwithdrawal

MaestrocardwithdrawalsatATMsworldwideinother 2.00perwithdrawal+
currencies 1.7%ofamountdrawn

CASH26withdrawals Free
DoesnotapplyforN26basicaccountcustomers.
AvailablewithinGermanyonly

CASH26deposits Monthlyallowance:100.00
ThefeeswillbedebiteddirectlyfromyourN26account. Thereafter:1.5%onadditional
AvailablewithinGermanyonly amount

Transfers&Debits

TransfersreceivedfromEEAstatesandSwitzerlandinEUR Free

TransferswithinandamongEEAstatesandtoSwitzerlandin Free
EUR

Notificationofvalidrefusalofdirectdebitduetoinsufficient 3.00pernotification
funds

InterestRates

ToleratedOverdraft 8.9%p.a.debitinterest
We currently charge 8,9% p.a. debit interest on the outstanding
amount of the tolerated overdraft. Interest is charged on a
quarterlybasisanddebitedfromyourN26account.

3
Some ATM operators may charge you a direct fee, which is independent of our charges. The feeamountwillbeshownto
youbeforethewithdrawalattheATMandcollectedbytheATMoperator.N26basicaccountisexcluded.

OtherFees

OrderingaReplacementCard(Mastercard/Maestro) 10.00(standarddelivery)
The fee will only be charged if the issuing of a replacement card
results from circumstances for which you bear responsibility and
under which we are not legally obliged to supply a replacement
card.ThefeewillbedebitedfromyourN26accountimmediately.

Standarddelivery:approx.3-5businessdays

Expressdelivery(Mastercard/Maestro) 25.00
Express delivery: Available in Germany only, delivery within 1-2
businessdays.

ECA(EmergencyCashAdvance) 130.00perserviceprovision
Every Customer with the Debit Mastercard (DMC) World, DMC
World Elite (N26 Black) or DMC Business (N26 Business) is entitled
to use the Emergency Cash Advance (ECA) Service forafixedfeeof
EUR 130.00 The service provides cash payment of up to EUR 500
following the loss of the DMC World, DMC World Elite or DMC
Business card. The Customer can request the amount to be paid
out in any country which has a Western Union (or Western Union
partnerbank)branch.

PaymentReminder 3.00perreminder
Firstpaymentreminderwillnotincuranycosts.4

InvestigationRequest 15.00pluspossiblecostsincurred
The price shall onlybechargediftheinvestigationofcircumstances bythecreditinstituteproviding
wasinitiatedbythecustomer. information

BankInquiry 25.00

Stamptaxduty(onlyappliestoIrishCustomers) 0.12 per withdrawal (max. 5.00

If resident in Ireland and signed up for an N26 account includinga p.a.)
free Mastercard, an additional taxforcashwithdrawalsinIrelandis
incurred. Every January we debit this amount retrospectively from
your account for the preceding year. (Included in monthly pricing
forallotherIrishcustomers).

Supportforindependentaccountswitch Free
N26 provides helpful forms on request for the payment partner to
findoutaboutandtoclosetheoldaccount.

4
Youhavetherighttoproducecounterevidenceontheactualcostsofyourpaymentreminder.

OtherAccounts

N26BasicAccount 6.00permonth
Exclusivelyfornewcustomerswhoexplicitlyapplyforabasic
accountwithN26asper38ff.ZKG(Germanlawonpayment
accounts).5

WithdrawalsatATMsandCASH26Partnersforbasicaccount In:
5
customers 2.00percashwithdrawalatATMs
ThefeesperwithdrawalatATMsoratourCASH26Partnerwillbe worldwide
debitedautomaticallyfromyouraccount.Thefeesapplyforthe Inothercurrencies:
MastercardandMaestrocard. 2.00percashwithdrawalatATM
plus1.7%ofamountdrawn
2.00perwithdrawalatCASH26
partnersinGermany

5
Some ATM operators may charge you a direct fee, which is independent of our charges. The fee amountwillbeshownto
youbeforethewithdrawalattheATMandcollectedbytheATMoperator.

GeneralInformationontheBank

OfficialBankNameandAddress
N26BankGmbH
Klosterstrae62
10179Berlin

Telefon: +49(0)30364286880
Kontakt: https://support.n26.com/contact
Internet: https://n26.com

CompetentSupervisoryAuthorities
Bundesanstalt fr Finanzdienstleistungsaufsicht (Federal Financial Supervisory Authority), Graurheindorfer
Strae108,53117Bonn,Germany
EuropeanCentralBank(ECB),Sonnemannstrae20,60314FrankfurtamMain,Germany

EntryintheGermanCommercialRegister

N26BankGmbH
BerlinDistrictCourtCharlottenburg,HRB170602B

ContractualLanguage
ThecontractuallanguagefortheBanksbusinessrelationshipswithCustomersisEnglish.

BankBusinessDays

A business day is any day on which the payment service provider involved in the execution of a payment
transaction carries out the business operations required for the execution of payment transactions. Thebank
carries out the business operations required for the execution of payment transactions on all working days,
withtheexceptionof:

Saturdays
ChristmasEve(24December)
NewYearsEve(31December)
Working days on which the branch of the bank keeping the account isclosedowingtoparticularlocal
circumstances (e.g. Carnival, general employee assemblies) and notification of whichhasbeenposted
inadvanceintheentranceareaofthebranch.

FortheexecutionofSEPA-payments,thebankmaintainstherequiredbusinessonallbusinessdaysexcept:

NewYear'sDay(January1)
GoodFriday
EasterMonday
LaborDay(May1)
ChristmasDay(December25)

St.Stephen'sDay(December26)

Note
Customers can use their payment card at anytime.Theregulationofbusinessdaysonlyaffectstheprocessing
ofpaymentsthroughtheBank.

Cut-offTimesforTransferOrders

Paperlessorders
before8.00pmonbankbusinessdays

Paper-based
before8.00pmonbankbusinessdays

Note
In the eventthatatransferorderissubmittedonabusinessdayaftertheabove-mentioneddeadlines,itwillbe
treated as having been submitted on the following business day for the purposes of payment execution
deadlines.

ExecutionPeriods

Transfers
The bank is obliged to ensure that the transfer amount is received by thepayeespaymentserviceproviderat
thelatestassetoutbelow:

Paperlesstransferorder
max.1businessday

Paper-basedtransferorder
max.2businessdays

RequirementsforSEPA:
thetransferorhasprovidedhis/herIBAN(InternationalBankAccountNumber)andthepayee'sIBAN
payeebankparticipatesintheSEPAtransferscheme

SEPACoreDirectDebit
The execution period indicatedpresupposesthatthepayeebankalsoparticipatesintheSEPAtransferscheme.
Furtherinformationcanbeobtainedfromthebankuponrequest.

Mastercard-Card
The bank is responsible for ensuring that the card payment amount arrives at the payee's payment provider
withinthefollowingdeadlines:

CardpaymentsinEurowithintheEuropeanEconomicArea(EEA)
max.1businessday

CardpaymentswithintheEuropeanEconomicArea(EEA)inanotherEEAcurrencybesidestheEuro
max.1businessday

CardpaymentsoutsidetheEEA
thecardpaymentwillbeprocessedassoonaspossible

Maestro-Card
The bank is responsible for ensuring that the card payment amount arrives at the payee's payment provider
withinthefollowingdeadlines:

CardpaymentsinEurowithintheEuropeanEconomicArea(EEA)
max.1businessday

CardpaymentswithintheEuropeanEconomicArea(EEA)inanotherEEAcurrencybesidestheEuro
max.1businessday

CardpaymentsoutsidetheEEA
thecardpaymentwillbeprocessedassoonaspossible

Note
The EEA currently comprises the EU-States: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark,
Estonia, Finland, France (including French Guiana, Guadeloupe, Martinique, Mayotte, Runion), Germany,
Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal
(including the Azores, Madeira), Romania, Sweden, Slovakia, Slovenia, Spain (including the Canary Islands),
UnitedKingdom(includingGibraltar),aswellasCyprus,Iceland,LiechtensteinandNorway.

ExchangeRateforForeignCurrencyTradesforPrivateCustomers
TheexchangerateforcarduseabroadstemsfromthegeneraltermsandconditionsfortheN26Mastercard.

Out-of-CourtDisputeSettlementsforPrivateCustomers
For the resolution of dispute with the N26Bankconcerningapplicationsofthepaymentservicelaw(675cto
676c of the civil code (Brgerliches Gesetzbuch), Article 248 of the introductory act of the civil code and
provisions of the payment service supervisory law (Einfhrungsgesetzes zum Brgerlichen Gesetzbuch und
Vorschriften des Zahlungsdiensteaufsichtsgesetzes)) you may file a complaint with the Federal Financial
Supervisory Authority (Bundesanstalt fr Finanzdienstleistungsaufsicht). The rules of procedure are available
fromtheFederalFinancialSupervisoryAuthority:GraurheindorferStr.108,53117Bonn.

StatutoryDepositProtection
N26 Bank GmbH is a member ofthecompensationschemeofGermanBanksGmbH.Yourdepositisprotected
by a statutory deposit protection system. In the event of N26 insolvency, your deposits will in all cases be
reimburseduptothevalueof100,000.00.