This article is incorrect. Please see clarification article. I’ve been a N26 Black customer for nearly a year now and as I’ve said many times before I’m a massive fan. I have finally closed my last remaining Irish current account this week so its in N26 I trust. One big perk of N26 is that there are no currency conversion mark ups or fees – you pay the MasterCard rate on the day the transaction is processed. While this isn’t quite as good as Revolut’s rate the difference is negligible that I no longer use Revolut except as a backup. One big perk and unusual feature with N26 Black is that you get 5 free ATM withdrawals per month within the eurozone but unlimited free ATM withdrawals outside the eurozone. This was great on my last trip as I did well more than 5 transactions and didn’t pay a cent in fees. However, they have closed this loop-hole now and the fair use policy applies to all ATM withdrawals. I received a in app notification of this change. They haven’t updated their pricing page to make this change clearer. Obviously I’m not overly happy with this change but I had been expecting it. Realistically it won’t affect me too much. I have only made two ATM withdrawals in Ireland in 10 months. The only time I ever do make ATM withdrawals is when I’m travelling so five should still be plenty. In the states I pay everything by card and only make one withdrawal for tip money. There is a fair use counter when logged into their website under account which I haven’t noticed before. Overall, this change isn’t a surprise but still disappointing. I always got the feeling the free foreign ATM withdrawals were a result of badly thought out pricing plans instead of intentional. Either way, was great when it lasted!