Deutsche Bank Mastercard Gold vs N26 Standard Mastercard
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Deutsche Bank Mastercard Gold comes out ahead on estimated net value — about 1.242,60 €/yr more than the N26 Standard Mastercard. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Deutsche Bank Mastercard Gold Best value | N26 Standard Mastercard Popular |
|---|---|---|
| Issuer | Deutsche Bank | N26 |
| Annual fee | 59,40 € / year | No annual fee |
| Welcome bonus | — | — |
| Min. income (monthly) | EUR 14,400 | EUR 0 |
| Reward type | points | cashback |
| Headline rate | — | — |
| Bonus categories | travel, everyday | — |
| Lounge access | Yes | No |
| Foreign tx fee | 1.75% | 1.7% |
| Est. net value / yr | 1.596,60 € | 354 € |
| Apply | Apply |
Frequently asked questions
- Deutsche Bank Mastercard Gold vs N26 Standard Mastercard: which is better?
- On our reference spend profile the Deutsche Bank Mastercard Gold delivers higher estimated net value than the N26 Standard Mastercard in Germany, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Deutsche Bank Mastercard Gold and N26 Standard Mastercard?
- Deutsche Bank Mastercard Gold: 59,40 € / year. N26 Standard Mastercard: No annual fee.
- Which earns more rewards, Deutsche Bank Mastercard Gold or N26 Standard Mastercard?
- Deutsche Bank Mastercard Gold earns points; N26 Standard Mastercard earns cashback. We rank by net value after fees, not headline rate alone.