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: 4% p.a.** It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
Image showing 4% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

*The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. **The interest rates vary based on your membership: 4% p.a. for Metal, 2.26% p.a. for You and Smart, and 1.26% p.a. for Standard accounts. Please note that regular rates per membership are subject to change over time.

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.***
Learn more
Black n26 Metal card next to an iPhone with the N26 open and showing the crypto interface.

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

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.
Ski insurance icon

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 You 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.

Exclusive rewards, perfectly suited to you

Premium N26 Metal customers get access to bespoke offers and exclusive deals from hand-selected partner brands, all chosen with modern lifestyles in mind. Enjoy perks from partners such as Booking.com, FlixBus,GetYourGuide, and many more. For more information on Discounts and Experiences, as well as how to redeem them, check your N26 app.
View partner offers
Discounts.
Scooter insurance icon

Purchase protection

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

Ski insurance icon

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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Open N26 Metal account

Frequently Asked Questions

  • What are the requirements to open an N26 Metal account?
  • What do I need to open my N26 Metal account?
  • How do I get an N26 Metal debit card?
  • Is the N26 Metal card a credit card?
  • How many free ATM withdrawals can I use each month with N26 Metal?
  • What are the insurances included with this premium account?
  • What extra insurance do you get with N26 Metal?
  • Do I have to pay additional fees to benefit from the mobile phone insurance?
  • What are the other benefits of an N26 Metal account?
  • How much does the N26 Metal premium bank account cost?
  • What are Spaces sub-accounts, and how can I use them?
  • I’m planning to switch banks. Does N26 offer an account switching 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) *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.