N26 Metal

Premium mobile banking

Make a statement with N26 Metal—a new generation bank account that offers free payments at home and abroad, an extensive insurance package (including phone insurance), partner deals and offers, and a world of additional benefits.

Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Metal customers enjoy our highest interest rate: 4%* p.a. It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 4% p.a. interest rate, balance in the main account, and in the savings account.

Free trades every month

With N26 Metal, get 15 free monthly trades for stocks and ETFs. It’s the simple way to invest in your future without having to leave your banking app. You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
Gymnast wearing color teal clothes and holding a mobile showing investments. In the foreground there is a pop with the Stocks and ETFs balance.

The easy way to save on crypto fees

N26 Metal is easy on the eyes and an easy way to save on crypto fees. With a Metal account, you get an exclusive discount on N26 Crypto trading fees — pay 1% for Bitcoin and 2% for other coins.***
Learn more
Black n26 Metal card next to an iPhone with the N26 open and showing the crypto interface.

A beautiful debit card in stainless steel

Choose your N26 Metal card from three distinct metallic shades—Charcoal Black, Quartz Rose and Slate Gray. With its 18-gram metal core and a stainless-finish, it’s a fusion of innovative features and elegant design.
Metal card on rocks.

Fee-free payments and ATM withdrawals worldwide

Make your money go further with N26 Metal—avoid paying fees for payments made at home or abroad, in any currency. And we also don’t charge any hidden fees for ATM withdrawals so you’re not left with any nasty surprises.

Mobile phone insurance for extra peace of mind

The future is digital—and your essentials should always be by your side. With N26 Metal, benefit from mobile phone insurance that covers your smartphone up to €2,000 in case of theft or damage.

Stay on top on your finances with Spaces sub-accounts

Open up to 10 Spaces sub-accounts with IBANs in seconds, and effortlessly organize your money. Instantly put money aside from your main account, then create standing orders for recurring payments, send and receive SEPA transfers, or pay bills via direct debit—right from each space.Plus, enjoy premium features such as Shared Spaces to manage money together with others, and try Round-Ups to save up the spare change whenever you pay by card. Staying on top of your finances has never been easier.
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Personal liability while traveling

Coverage up to €500,000 for Personal Liability in case you’re legally liable for damage to a third party or their property during a trip.

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Purchase protection

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

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Emergencies when traveling

The N26 You policy provides cover for you, your spouse and children in case of a medical emergency abroad, including emergency dental care. You also get access to 24/7 medical phone assistance.

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Baggage coverage and delay insurance

Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.

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Travel delay and cancellation

We know how inconvenient it can be when business trips don’t go to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.

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Trip interruption

Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.

N26 Perks and bespoke Experiences

Technology, sports, music or meditation—where do your interests lie? Discover N26 Perks, and enjoy deals from hand-selected partner brands. We’re constantly evolving our choice of offers—just open your N26 app to see what’s currently available to you.
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Purchase protection

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

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Personal liability while traveling

Coverage up to €500,000 for Personal Liability in case you’re legally liable for damage to a third party or their property during a trip.

Extra cards if you’d like a spare

With N26, you can order an additional Maestro card or Mastercard debit, easily managing them in your app. Add your card to your mobile wallet, lock and unlock it, and set daily spending and withdrawal limits—all in a few taps.

N26 Metal—discover premium banking

The next generation account that combines elegant design, exclusive partner offers and innovative functionality: enjoy a new way of banking with N26 Metal—for just €16.90 per month.
Visit our Support Center
N26 Premium Metal dedicated phone support.

  • What are the requirements to open an N26 Metal account?
  • What do I need to open my N26 Metal account?
  • How do I get an N26 Metal debit card?
  • How many free ATM withdrawals can I use each month with N26 Metal?
  • What are the insurances included with this premium account?
  • What extra insurance do you get with N26 Metal?
  • Do I have to pay additional fees to benefit from the mobile phone insurance?
  • What are the other benefits of an N26 Metal account?
  • How much does the N26 Metal bank account cost?
  • What are Spaces sub-accounts, and how can I use them?

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ***The N26 Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, regular fees apply: 1.5% on Bitcoin and 2.5% on other coins. Fees are always rounded up to the nearest full cent—to a maximum of one cent—which may lead to a slight increase of the fee percentage shown in the order preview. The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda. Allianz Logo - Updated June 2020. Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 Metal features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C S.A. - Dutch branch)