Once you switch to a new premium plan, we'll send you a new debit Mastercard via post. However, the benefits and features associated with your new plan will be active immediately. Once you activate your new card, the card associated with your old plan will be permanently blocked. If you downgrade to an N26 Standard account, your account only includes a virtual card — but you can order a physical debit Mastercard for a one-time fee of €10.