The premium bank account with a metal debit card

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 extensive lifestyle and travel insurance packages:

• Emergency medical cover for you, your spouse, and your children (which also includes dental insurance and winter sports insurance)
• Trip interruption or cancellation insurance
• Flight delay or cancellation insurance
• Lost or delayed luggage cover
• Bike, scooter, and car-sharing insurance
• Car rental insurance
• Cell phone insurance

To learn more about the Alliance insurance package, please read the Terms and Conditions.

If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and coverage for canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.

Alongside the insurance package available with N26 You, N26 Metal also gives you additional 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 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.