N26 Metal — your financial future at your fingertips
The exclusive plan that’s made for saving and investing. Make a statement with a metal debit card, and enjoy travel insurance, purchase protection, and more.
More than a pretty face
Here’s an at-a-glance look at everything you get with Metal.
Build your portfolio
Trade stocks and ETFs for free*** to expand your investment portfolio.
Discover Stocks & ETFs
Enjoy true peace of mind
We’ll take care of the unexpected with versatile travel insurance, purchase protection, and mobile phone coverage.
Explore travel insurance
The 18-gram metal bank card
With our exclusive metal debit card you’ll enjoy free withdrawals abroad and card payments with no foreign transaction fees.
Show me the Metal card
You’re always our priority
Contact our designated Metal Customer Support team by phone, or chat directly in the app.
Visit Support Center
Invest in your future
Metal is the premium bank account that helps you build your portfolio with free stock and ETF trading**, lower crypto fees***, and flexible investment plans.
Discover Stocks & ETFs
Get an ECB-linked interest rate
Open a new N26 Metal account and earn 2.25% interest p.a.* with N26 Instant Savings — linked to the European Central Bank rate.
Explore Instant Savings
We’ve got you covered
Metal customers enjoy our most extensive insurance package, provided by Allianz Assistance.
Mobile phone insurance
Get covered up to €2,000 for accidental damage or theft of a phone less than two years old.
Travel insurance
You’re covered for trip delay, interruption, and cancellation, baggage delay, loss, and theft, emergency medical treatment, and personal liability.
Purchase protection
You’ll get up to €2,500 per claim for accidental damage or theft of an eligible purchase.
Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet and Conditions for Beneficiaries.
Metal — the premium bank account for Austria
Get worldwide payments with no foreign transaction fees, and free ATM withdrawals abroad with your 18-gram metal bank card.
*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. The interest rate for the N26 Instant Savings account corresponds to the current European Central Bank deposit facility rate (2.25% starting on 23/04/2025) and is subject to change by N26 at any time. Terms and conditions apply.
**These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. Trading stocks and ETFs with N26 is fee-free. Note that fund issuers may charge their own ETF management fees directly.
***The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. N26 Crypto is powered by Bitpanda GmbH.
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.
****The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
- Travel delays
- Baggage delay
- Baggage coverage
- Medical emergencies while travelling abroad
- Trip cancellation
- Trip interruption
- Personal liability while travelling
- Mobile phone coverage
- Purchase protection
- Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
- Individual quarantine and other events listed in the collective insurance agreement
- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- Trip delayed due to covered reasons by at least two hours.
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Reimbursement in case of damage, theft or loss of travel documents
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- Theft, accidental damage; high voltage (including lightning) damage
- Theft; accidental damage to eligible goods for 12 months immediately after purchase
- Events occurring outside the validity dates indicated in the conditions for beneficiaries
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity
- Damage of any kind caused intentionally by the beneficiary or with their complicity
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events
- Claims arising due to pre-existing medical conditions
- Violation of international sanctions, laws or regulations
- The policy deductible that is applicable to claims made under some benefit sections
- Financial limits apply to each benefit section
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section
- For purchase protection, objects with a minimum value below €100
- For Mobile telephone accidental damage and theft, objects older than 2 years
- War (declared or undeclared) or acts of war
- Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
- Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
- Intentional self-harm or attempt or comit suicide
- Unstabilized illnesses or injuries that were diagnosed or treated
- An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description
- Local health situations, pollution, weather or climate events
- Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description
- Expenses incurred without the prior agreement of our assistance department
- The cost of treatment or care not resulting from a medical emergency
- The consumption of alcohol or drugs not medically prescribed
- Participation in a professional or dangerous sport
- Trip cancellation: Deductible: €20 per beneficiary
- Purchase protection: Deductible: €50 per claim, Depreciation: 10% every 6 months following the purchase date
- Mobile phone: Purchase less than 2 years old, Depreciation: 10% every 6 months following the purchase date
You can sign up to N26 Metal if you meet the eligibility criteria. There are no other requirements or a minimum deposit needed to open this account.
To open an N26 Metal account, you must meet the eligibility criteria. You can then register on our website or in 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.
Already an N26 customer? Then you can easily upgrade to N26 Metal in the N26 app — simply head to the Explore tab.
You can find more information at our Support Center.
When you open your N26 Metal account via the website or app, you can choose the color of your metal bank card. This step takes place before identity verification. Once your identity has been verified, we’ll send your N26 Metal Mastercard to your delivery address.
To learn more about N26 Metal card delivery, head over to this article in our Support Center.
The card you receive with your N26 Metal premium bank account is a debit Mastercard. Some of its features are the same as what you get with a credit card, although there are also a few key differences. You can pay online, in stores, and in apps with your N26 debit card, as well as withdraw cash from ATMs with no hidden fees. Forgot your card at home? Simply add your N26 card to Apple Pay or Google Pay and pay with your phone — that way, you’re always prepared.
Your N26 Metal bank card comes in one of three distinct metallic shades: Charcoal Black, Quartz Rose, and Slate Grey. You'll receive a card number, expiration date, and CVC for your debit Mastercard — just like you would with a credit card. Find out more about the differences between debit and credit cards in our guide.
If you opened your account in Austria, your N26 Metal Mastercard includes unlimited free ATM withdrawals within Austria and the eurozone. All foreign currency payments are free and unlimited, too.
What are the insurances included with this premium account?
N26 Metal account include:
Alongside the insurance package available with N26 You, N26 Metal also gives you additional mobile phone and purchase protection insurance.
No, mobile phone insurance is already included in your monthly N26 Metal membership fee.
N26 Metal also offers unlimited ATM withdrawals in foreign currencies, as well as free card payments worldwide. It’s ideal for those who travel, and comes with travel insurance benefits that cover trip delay and cancellation, baggage delay and loss, and emergency medical care abroad. That’s all in addition to personal liability cover during travel and purchase protection.
Planning for your financial future? With N26 Metal you can enjoy a fully flexible Instant Savings account at our highest interest rate. You can also buy crypto, and invest in stocks and ETFs for free. Metal customers enjoy lower crypto fees to build their portfolio.
The N26 Metal account costs €16.90 per month, and is an annual subscription.
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Metal 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 Space, you can receive SEPA bank transfers and pay via direct debit. Try using Rules to automatically set money for your bills aside, 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. You can also link a virtual or physical card to a Space to make payments directly from it.
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.
If you want to switch banks to N26, then we’ve got good news for you: together with Qwist, we offer a free account switching service, and it only takes 10 minutes to submit a request to switch banks. Discover how you can quickly and easily switch banks here.
To find out more about the insurance benefits associated with your N26 Metal account please refer to the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
Trip Cancellation
Which events are covered?
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
General exclusions apply to the whole policy and some benefit sections contains conditions specific to that section
Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations.
Main exclusions
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