Look at the T & C , for France there is a fee for Mastercard . always check the small print
Why is there a fee for the standard Mastercard?
We're pleased to offer our core N26 Bank account for free in all markets. It gets you all the mobile convenience we're known for, and provides you the ability to add additional services like savings, investment, and credit as we introduce them in each market. Cards do cause a significantly higher cost in terms of printing, distribution, and ATM usage fees. That's why we charge a reasonable monthly fee if you choose to add an optional Mastercard to your free N26 account.
Why is there a 1,7% fee for Mastercard ATM withdrawals in foreign currencies?
We incur a higher cost for these transactions. You can avoid this fee if you pay with your Mastercard at the merchant. Mastercard acceptance abroad is often much higher than in Germany and across Europe, so you might be surprised how often you can pay with your card when abroad. When you do need to withdraw cash abroad, our fee is very competitive compared to other German banks. Many banks charge a higher percentage or require a minimum balance in your account for the fee to be waved.
Another option for you: we wave this fee for N26 Black account users, so N26 Black may be a good option for you if you travel frequently and withdraw foreign currency more often.