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.
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.
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 €1,000 in case of theft or damage.
Saving made easy with Spaces sub-accounts
Create up to 10 Spaces sub-accounts to better organize your finances, and achieve your savings goals. Just open a space, drag and drop funds over and set rules to automatically put aside money whenever you want. And with Shared Spaces, easily manage joint expenses—invite up to 10 other N26 users to join the same sub-account.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.
Extensive travel insurance coverage
Thanks to the Allianz insurance package that comes with your Metal bank account, you can just get up and go, and rest assured you’re covered at every step of the way. Benefit from mobile phone insurance, emergency medical cover, mobility coverage, and much more.Read more
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.
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.
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 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.
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.
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.
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.
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.
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.
Alongside the regular insurance package available with N26 premium accounts, N26 Metal also gives you mobile phone and car rental 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. On top of this, your premium account gives you access to unique Experiences and hand-picked partner offers.
The N26 Metal account costs €16.90 per month, with a 1-year commitment period.
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)