N26 Metal — your financial future at your fingertips

Are there any limitations on coverage validity under insurances included in N26 Metal account?

You are eligible for the coverage under insurances included in N26 Metal account only when your N26 Metal account is active

Who is covered for Travel & Medical claims?

The account holder who has rights to claim under the collective insurance agreement. For the travel covers (Trip cancellation, Trip interruption, Travel delay, Baggage & Baggage delay, Emergency medical & Transportation and Personal liability), the account holder’s spouse or cohabitant and children (including the stepchildren, foster children, adopted children or children currently in the adoption process) up to a maximum age of 25 years, if still on education at the time of travel, are considered a beneficiary, when they travel with the account holder.

Who is covered for Mobile Phone & Purchase Protection claims?

The Mobile Telephone Accidental Damage & Theft and Purchase Protection benefits are available for the account holder only.

Are there any conditions I have to meet in order to be eligible for the benefits under insurances included with N26 Metal account?

For Purchase Protection the goods have to be entirely paid for with the N26 Metal account or its attached payment card(s).

What is an Eligible Good under Purchase Protection?

Any good bought online/offline with a minimum purchase price of € 100 paid by the account holder with N26 Metal account or its attached payment card(s). The account holder is required to produce proof of payment.

What documents are requested to be eligible for Mobile phone coverage?

The account holder is required to produce proof of ownership of the insured mobile telephone and that it is no older than 24 months at the time of theft or accidental damage. If the repair has been managed directly by the account holder,

• Provide the repairer's statement
• Provide the repair cost invoice or proof of purchase of the replacement mobile phone to be eligible for refund
• In case of theft: Provide Police incident report

What documents are requested to be eligible for Purchase Protection?

The account holder is required to produce proof of ownership of the insured object.

If the repair has been managed directly by the account holder,

• Provide the repairer's statement
• Provide the repair cost invoice or proof of purchase of the replacement object to be eligible for refund
• In case of theft: Provide Police incident report

What events are covered by Theft under Purchase Protection and Mobile phone protection?

Burglary

• Forceful entrance into premises: At a definable time and place the insured object is stolen from locked premises so that physical force and violent entry into the premises is required.
• Forceful entrance into vehicles: At a definable time and place the insured object, being out of sight, is stolen from a locked vehicle with all available protection being in use, so that physical force and violent entry into the vehicle is required.

Robbery

• The unauthorised taking of your insured object by either physical force, threats to, or intimidation of you by another individual(s).

What coverages are included with this premium account?

N26 Metal account includes:

• Travel delays
• Baggage delay
• Baggage coverage
• Medical emergencies while travelling abroad
• Trip cancellation
• Trip interruption
• Personal liability while travelling
• Mobile phone coverage
• Purchase protection

To learn more about the Allianz Assistance package, please read the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries

What extra insurance do I get with N26 Metal?

Alongside the insurance package available with N26 Go, N26 Metal also gives you additional mobile phone and purchase protection 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 is included in my N26 Metal Insurance?

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?

• 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 Conditions for Beneficiaries

What will be reimbursed?

• Cancellation fees up to €10,000 per trip for trip cancellation


Travel Interruption

Which 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

What will be reimbursed?

• Prorated costs of the covered travel services booked but unused at the destination up to €10,000 per trip
• Necessary transportation expenses to continue the trip or return home
• Additional accommodation/ transportation expenses if prolongation of the trip is necessary up to €100/day/per trip for a max. of three days

Travel Delay

Which events are covered?

• Trip delayed due to covered reasons by at least two hours.

What will be reimbursed?

• Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip

Baggage and Baggage Delay

Which 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 four hours

What will be reimbursed?

• Baggage: Up to €2,000 per trip Baggage delay: Up to €500 per trip

Identification Document Coverage

Which events are covered?

• Reimbursement in case of damage, theft or loss of travel documents

What will be reimbursed?

• Necessary costs for emergency replacement identification document up to €500 per trip

Emergency medical/dental benefits abroad & Emergency transportation

Which events are covered?

• Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19

What will be reimbursed?

• Reimbursement of medical expenses abroad

Costs for emergency transportation and medically advisable and justifiable medical repatriation Max. amount covered:

• For medical emergency treatment: up to €1,000,000 per trip
• For dental emergency treatment: up to €250 per trip
• For medical repatriation up to the actual cost for search, rescue and recovery: up to €2,300 per trip

Personal Liability

What will be reimbursed?

• Costs payable to a third party following damage or injury. Max. amount covered: up to €500,000 per trip

Mobile Telephone Accidental damage & theft

Which events are covered?

• Theft, accidental damage; high voltage (including lightning) damage

Purchase Protection

Which events are covered?

• Theft; pickpocketing; accidental damage to eligible goods for 12 months immediately after purchase

What is not insured by my N26 Metal coverage?

To find out more about the insurance benefits and limitations of your N26 Metal coverage and make a decision on your Insurance, please read the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries before subscribing. These documents are available free of charge and can be accessed here or via the N26 app. 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.
• 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

• 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 commit suicide
• Unstabilized illnesses or injuries that were diagnosed or treated
• 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

Are there any restrictions on cover ?

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 restriction

• Trip cancellation: covered up to €10.000 per trip; Deductible: €20 per beneficiary
• Trip interruption: covered up to €10.000 per trip
• Baggage damage, loss or theft: covered up to €2.000 per trip, including €750 for high-value items
• Emergency medical/dental benefits abroad: covered up to €1.000.000 per trip and for emergency dental up to €250 per trip
• Purchase protection: Deductible: €50 per claim, Depreciation: 10% every 6 months following the purchase date; objects with a minimum value above €100
• Mobile phone: devices less than 2 years old, Depreciation: 10% every 6 months following the purchase date

Important information about the insurance

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 FAQs. Please note that the premium for the insurance policy is paid by N26 Bank SE. 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.

*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. The gross interest rate for the N26 Instant Savings account corresponds to the current European Central Bank deposit facility rate (2% starting on 11/06/2025 and is subject to change by N26 any time. Terms and conditions apply. To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking. At N26, each eligible customer can have one Instant Savings account. For existing customers: From 11/06/2025 onwards, grow your savings with 0.30% gross interest p.a. for Standard and Smart (0.21% net), 0.50% p.a. for N26 Go (0.35% net), and 1.50% p.a. for Metal (1.05% net). Interest is only earned on funds held in your Instant Savings account. Interest rates are subject to change at any time by N26. This offer is provided under German law. **Investments in stocks and ETFs carry a risk of capital loss. N26 Stocks and ETFs is provided by N26 Bank AG in partnership with Upvest Securities GmbH. ***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 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.