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.

Metal card on rocks.

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.

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.* 

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Black n26 Metal card next to an iPhone with the N26 open and showing the crypto interface.

*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.

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.

Phone insurance.

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 €1,000 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.

Discover Shared Spaces

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.

Your travel assistance package, now with pandemic coverage

Your N26 Metal account comes with extensive travel coverage that protects you wherever you are, including for claims due to epidemics or pandemics such as COVID-19*. Minimize the stress during necessary travel, and breathe deep with extra peace of mind.

*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.

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Travel insurance concept.

Emergency medical cover

Get insurance coverage for you, your spouse and children in case of a medical emergency abroad—including dental insurance. And get access to 24/7 medical phone assistance in case something doesn’t go to plan, and you need to speak to somebody.

Trip curtailment and flight cancellation

Missed your flight? With N26 Metal, you’re covered if you don’t make it to your destination. This insurance also applies to cancelled flights.

Luggage coverage

Don’t let bad luck ruin your trip, and get stuck without your necessities—we have you covered in case your luggage is lost, or delayed by over 4 hours.

Car rental abroad

Rental cars are a flexible way to get from A to B—and thanks to your Allianz insurance package, you’re also covered for damages up to €20,000.

Lifestyle insurance concept.

Safety first—especially on the road

We want you to be able to get around without the worry, be it down your street or further afield.

Car sharing, bikes and scooters

A fan of car sharing apps, or renting bikes and scooters? Enjoy extra peace of mind with N26 Metal, thanks to cover in case of theft or damages to your rented vehicle.

Winter sports emergency cover

Stay safe on the slopes with N26 Metal, which also provides coverage in case of winter sports accidents.

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 Premium Metal dedicated phone support.

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.

What are the requirements to open an N26 Metal account?

You can sign up to N26 Metal if you meet the eligibility criteria. There are no other requirements, and we don’t ask for a minimum deposit to open this account.

What do I need to open my N26 Metal account?

To open an N26 Metal account, you must meet the eligibility criteria. You can then register on our website or from the N26 mobile app. Sign up only takes a few minutes, and no paperwork is needed. Once your identity is verified, you’ll be able to start using your bank account.

You can find more information at our Support Center.

How do I get an N26 Metal debit card?

When you open your N26 Metal account via the website or app, you can choose the color of your metal Mastercard. This step takes place before identity verification. Once your identity has been verified, we’ll send your N26 Metal card to your delivery address.

To learn more about N26 Metal card delivery, head over to this article in our Support Center.

How many free ATM withdrawals can I use each month with N26 Metal?

If you opened your account in Austria, your N26 Metal Mastercard debit allows you to enjoy unlimited free withdrawals in the country, as well as worldwide.

What are the insurances included with this premium account?

The N26 premium accounts include a mobility and travel insurance:

  • Emergency medical cover that covers you, your spouse and your children—including dental and winter sports insurance
  • Trip curtailment or cancellation insurance
  • Flight delay insurance and luggage delay or loss cover
  • Bike, scooter and car sharing insurance
  • Car rental insurance
  • Mobile phone insurance.

To find out more about the Alliance insurance package, please read the Terms and Conditions.

What does the pandemic coverage include?

If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and coverage for canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.

What extra insurance do you get with N26 Metal?

Alongside the regular insurance package available with N26 premium accounts, N26 Metal also gives you mobile phone and car rental insurance.

Do I have to pay additional fees to benefit from the mobile phone insurance?

No, mobile phone insurance is already included in your monthly N26 Metal membership fee.

What are the other benefits of an N26 Metal account?

N26 Metal also offers unlimited ATM withdrawals in foreign currencies, as well as free card payments worldwide. On top of this, your premium account gives you access to unique Experiences and hand-picked partner offers.

How much does the N26 Metal bank account cost?

The N26 Metal account costs €16.90 per month, with a 1-year commitment period.

What are Spaces sub-accounts, and how can I use them?

N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.

With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.

If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.

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)