N26 Metal

The premium bank account with a metal debit card

Make a statement with N26 Metal. Enjoy a premium banking experience with no fees abroad, an extensive insurance package (including phone coverage) and a world of additional benefits.
Open N26 Metal account

Free trades every month

With N26 Metal, get 15 free monthly trades for stocks and ETFs. It’s the simple way to invest in your future without having to leave your banking app. You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
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Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Metal customers enjoy our highest interest rate: 2.5% p.a.* It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
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*N26 Instant Savings account interest rates are based on your N26 membership: 1% p.a. for Standard and Smart, 1.3% for You, and 2.5% p.a. for Metal (before taxes), as of 08.11.2024. Please note that rates per membership are variable and can be changed by N26 over time. **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

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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The market for crypto assets constitutes a high risk. A complete loss of capital is possible at any time. N26 Crypto is powered by Bitpanda Asset Management 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 — up 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 Asset Management 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.

8 minutes

to open a premium bank account

Priority customer support

with access to our dedicated hotline

Deposit protection

of up to €100,000

A full banking license

since 2016

Fee-free ATM withdrawals worldwide

Pay with your N26 Metal Mastercard online and in stores, avoid hidden fees and benefit from zero foreign transaction fees around the globe. You can also withdraw cash for free in any currency from ATMs worldwide.
Open N26 Metal account
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Mobile phone insurance

We've all been there, but losing your smartphone doesn't have to be a big deal. Thankfully, with N26 Metal, your phone is covered in case of theft or damage up to €2,000, regardless of whether you paid for your phone with your N26 debit card or not.

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. Staying on top of your finances has never been easier.
Discover sub-accounts

Manage your money seamlessly with sub-accounts

Link your Spaces to your Mastercard

Link your N26 Metal card to a Space with just a few taps to pay directly from it. That way, you'll always be in control of your spending.

10 Spaces sub-accounts with IBAN

Create up to 10 Spaces sub-accounts and give them their own IBAN. Then receive and make SEPA transfers — or set up direct debits and standing orders to pay bills directly from your Spaces.

Automate your savings

Use Round-Ups to save the spare change whenever you pay by card. Each payment with your N26 Metal card is rounded up to the nearest euro and the difference is automatically moved into a Space of your choice.

Sort incoming transactions into your Spaces

Automatically set aside money in Spaces with the N26 Income Sorter. Activate this feature to move a percentage or a fixed amount of your incoming funds to your Spaces, and stay on top of your budget without even thinking about it!

Priority Customer Support

We’re always on-hand to help! Need a quick answer or urgent technical support? N26 Metal’s dedicated Customer Support team is here for you. Speak to one of our designated Metal customer support specialists by phone, or chat to us directly in the app.
Visit our Support Center
N26 Premium Metal dedicated phone support.
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Personal liability while traveling

Coverage up to €500,000 for Personal Liability in case you’re legally liable for damage to a third party or their property during a trip.

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Purchase protection

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

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Emergencies when traveling

The N26 Metal policy provides cover for you, your spouse and children in case of a medical emergency abroad, including emergency dental care. You also get access to 24/7 medical phone assistance.

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Baggage coverage and delay insurance

Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.

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Travel delay and cancellation

We know how inconvenient it can be when business trips don’t go to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.

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Trip interruption

Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.

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Purchase protection

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

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Personal liability while traveling

Coverage up to €500,000 for Personal Liability in case you’re legally liable for damage to a third party or their property during a trip.

A unique N26 Metal debit card

N26 Metal’s stainless steel Mastercard — available in three distinct metallic shades — stands for the ultimate in premium banking. The metal engraved contactless debit card offers minimalist design, along with all the functionality you need.
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Metal card on rocks.

Your card, your style.

Open your N26 Metal account for €16.90 per month or upgrade, and redefine your banking experience.
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Get a discount when you pay annually

Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.
ANNUAL PLAN

N26 Metal

Our most premium plan

N26 Metal - Charcoal Black.

From €13.50/month

All benefits of N26 You, Plus

  • An 18-gram metal card

  • Up to 8 free ATM withdrawals per month

  • Purchase protection

  • Priority customer hotline

Open a Metal account

N26 Go

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus

  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Unlimited free withdrawals in foreign currencies

  • Insurance for delay and theft of luggage

  • Medical emergency cover

Open a Go account

N26 Smart

Save + spend with premium perks

N26 You card, Teal.

From €3.90/month

All benefits of N26 Standard, Plus

  • A physical and virtual card

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

Open a Smart account

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1,25% AER/NIR* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

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    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

Open a Standard account
Open N26 Metal account

Frequently Asked Questions

    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 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. 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 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.

    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. Forgot your card at home? Simply add your N26 card to Apple Pay or Google Pay and pay with your phone in seconds — that way, you’re always prepared. Your N26 Metal 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 Germany, your N26 Metal Mastercard debit includes 8 fee-free ATM withdrawals per month within Germany. After that, you’ll be charged €2 for every additional withdrawal. You can see in the app how many free withdrawals you have left. Elsewhere in the Eurozone, and just like with all foreign currency payments, all ATM withdrawals are free and unlimited with N26 Metal.

    N26 premium accounts include:
    • Travel delays
    • Baggage delay
    • Baggage coverage
    • Emergencies while traveling
    • Trip cancellation
    • Trip interruption
    • Personal liability insurance
    • Mobile phone coverage
    • Purchase protection
    To learn more about the Allianz Assistance package, please read the Terms and Conditions.

    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. On top of that, your premium account gives you access to unique Experiences and hand-picked partner offers.

    The N26 Metal account costs €16.90 per month, and is a yearly subscription.

    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.

    If you want to switch banks to N26, then we’ve got good news for you: Together with finleap Connect, we offer a free account switching service, and it only takes 10 minutes to submit a request to switch banks. Wondering how you can switch from your current bank to N26? Just type in the name of your current bank on our account switching service page — you can switch your bank account to N26 from almost any German bank. Discover today how you can quickly and easily switch banks with our free service.

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)