N26 offers a Mastercard debit. You can use it at ATMs, retailers and online stores that welcome payments by Mastercard. Every transaction is immediately deducted from the N26 bank account. You cannot spend more than your account balance unless overdraft is available. However, interest is due immediately then. Rental car providers or hotels usually do not accept debit cards. It is not possible to block amounts as a booking guarantee on them. You can check our review of N26 here.
A comparison of “real” free credit cards is available here.