Discover N26 Metal — an elevated banking experience with no hidden costs. Enjoy peace of mind thanks to an extensive travel and lifestyle insurance package, and get our full suite of benefits, all for €16.90 per month.
Your new N26 Metal card is 18 grams of stainless steel and comes in three different metallic colors — quartz rose, slate grey, and charcoal black. With its minimalist, stylish look, contactless technology, and mobile payments option, the Metal debit card gives you all the functionality you need.
Open a new N26 account and grow your savings with 2.75%* gross interest p.a. with N26 Metal (1.93% net), 1.25% p.a. with You (0.88% net), and 1.05% p.a. with Smart and Standard (0.74% net), and access your funds at any time.
Pay online and in person with your N26 Metal Mastercard, no matter where you are in the world — and without any exchange fees. Plus, benefit from free foreign ATM withdrawals in any currency. The world's your oyster!
Coverage for your mobile phone
Stolen or broken phone? No problem. In case of theft or damages to your phone, as an N26 Metal customer, you're covered by mobile phone insurance up to €2,000 — regardless of whether or not you paid for your device with your N26 bank account.
Exclusive deals with N26 Perks
Take advantage of special offers and personalized benefits from partner brands like WeWork, GetYourGuide and Hotels.com. Our partners are chosen with your interests and lifestyle in mind, so that you get access to unique experiences that make your day-to-day life better. We're constantly adding new offers, too — check your app to discover the current selection of N26 Perks!
Travel personal liability
If you end up legally liable for damage to a third party or their property, you're insured up to €500,000 for Personal Liability during your trip.
Purchase protection
Your belongings are covered, too — eligible purchases made with your N26 card are insured up to €10,000 over 12 months against theft or damage.
Emergencies when traveling
You, your spouse, and your children are covered in case of a medical emergency while traveling, including dental emergencies. Plus, you get access to 24/7 medical assistance over the phone.
Delayed or lost baggage
Get up to €500 in compensation for luggage that's delayed more than 4 hours, or up to €2,000 if your bag gets lost.
Delayed or canceled travel
It's disruptive when trips don’t go to plan — so we've got you covered if your journey is canceled or delayed for 2 hours or more.
Interrupted travel
If you have to cut your trip short for unforeseeable circumstances, you can claim up to €10,000 in compensation for non-refundable expenses or added accommodation and transportation costs.
Dedicated customer service, always on-hand to help
If you need urgent assistance, we’re here for you. With an N26 Metal account, benefit from a dedicated Customer Support phone line, or just chat to a specialist directly via the app. Alternatively, visit our Support Center to find FAQs, and a wealth of information on managing your account.
Virtual currencies, real risks. In crypto, only the risk is guaranteed.
Warning – the value of your virtual currencies may vary very significantly both up and down and the amount you invest may be completely lost. Learn more here.N26 Crypto is powered by Bitpanda Asset Management GmbH.
Save on trading fees — without sacrificing on style
Not only does N26 Metal look good on you, it saves you even more on crypto trading fees. Pay just 1% for Bitcoin and 2% for other coins** in N26 Crypto as a Metal customer.
Losing something precious is stressful — especially when you need it to access your money. We've made it simple to order an extra card for your Metal account, just in case. Choose an additional card from the N26 You color range, so you'll always have a backup plan in place.
Select your premium N26 Metal card
Discover a modern banking experience that’s fully loaded with perks — open your N26 Metal account for €16.90/month with a 12-month subscription.
N26 Metal is a premium membership supplementing the N26 current banking account. N26 is the policyholder of a collective insurance agreement, as detailed in the Conditions for Beneficiaries. The insurance agreement is held by N26 and is underwritten by Allianz Assistance.
The insurance benefits are embedded within N26 Metal and are only available to the customer for the duration of their membership. A summary of the cover can be found in the FAQ. German law is applicable.Please note that the premium for the insurance policy is paid by N26 Bank AG. The insurance cannot be purchased separately from the N26 Metal membership.
The insurance coverage begins with the subscription to the membership and ends when the customer terminates their N26 Metal membership, which can be terminated at any time by the customer. Discounts granted for an annual over a monthly subscription will then lapse.Information on dispute resolution can be found here https://n26.com/en-be/imprint
Further information can be found in the Conditions for Beneficiaries
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
Travel InterruptionWhich events are covered?
Completion of the trip as scheduled is not possible or cannot be expected
due to (e.g.):
Serious accidental injury or unexpected serious illness including an
epidemic/pandemic disease such as COVID-19 or Individual quarantine
Travel DelayWhich events are covered?
Trip delayed due to covered reasons by at least 2 hours.
Baggage and Baggage DelayWhich events are covered?
Reimbursement in case of damage, theft or loss of items
Reimbursement for essential items purchased if luggage is delayed by
more than 4 hours
Identification Document CoverageWhich events are covered?
Reimbursement in case of damage, theft or loss of travel documents
Emergency medical/dental benefits abroad & Emergency transportationWhich events are covered?
Illness or accidental injury during travel - including treatment for an
epidemic or pandemic disease such as COVID-19
Personal LiabilityMobile Telephone Accidental damage & theftWhich events are covered?
Theft, accidental damage; high voltage (including lightening) damage
Purchase ProtectionWhich events are covered?
Theft; accidental damage to eligible good for 12 months immediately
after purchase
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
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
Main restriction
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
To find out more about the insurance benefits associated with your N26 Metal account please refer to the legal 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
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.
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
*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. Gross interest rate for N26 Instant Savings account corresponds to the current European Central Bank deposit facility rate and is subject to change by N26 any time. Terms and Conditions apply.** Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://n26.com/en-be/crypto.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, standard fees apply: 1.5% on Bitcoin and 2.5% on all 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. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction, 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.Legal Notice: You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries.N26 Metal features comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A.
Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
