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 and car insurance) and a world of additional benefits.

Metal card on rocks.

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.

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.

Phone insurance.

Mobile phone insurance

We’ve all been there—losing your smartphone is stressful and frustrating. Thankfully with N26 Metal, your phone is covered in case of theft or damage up to €1,000*, regardless of whether you paid for your phone with your N26 debit card or not.

Start using sub-accounts

Looking for new ways to manage your money? Thanks to N26 Spaces, you can open up to 10 sub-accounts to help better organize your finances, and put money aside to reach your goals. Create a space for your next holiday or that new phone you’ve always wanted, and start saving right away. Additionally, invite up to 10 other N26 users to join the same sub-account to manage your finances together with friends and family.

Discover Spaces
Discounts.

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 Headspace, Hotels.com, GetYourGuide and many more. For more information on these Discounts and Experiences, as well as how to redeem them, please check your N26 app.

Partner Offers

Extensive travel insurance coverage

Explore the world with N26 Metal account that comes with travel insurance that covers you wherever you are. Just get up and go, without the worry.

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Travel insurance concept.
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Emergency medical cover

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

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Trip curtailment or cancellation insurance

Don’t let bad luck ruin your trip. If you can’t make it to the airport, N26 Metal’s trip curtailment and cancellation insurance has you covered.

Flight delay compensation icon.

Flight delay and luggage coverage

Claim compensation when your flight is more than 4 hours delayed, and also get compensated in case your luggage gets lost or delayed for more than 12 hours.

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Car rental insurance abroad

With N26 Metal, you’re also covered for up to €20,000 when you rent a car further away from home or abroad.

Lifestyle insurance concept.

Lifestyle insurance

N26 Metal covers your back wherever you go. You can commute and ride without the worry, be it down your street or during a ski trip.

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Bike, scooter and car sharing insurance

A fan of app-based transport hire? Enjoy extra peace of mind with N26 Metal, which offers you cover for car shares, bike and scooter rentals.

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Winter sports emergency cover

A fan of the slopes? Thanks to your N26 Metal account’s winter sports emergency insurance, rest assured you’re covered while skiing or snowboarding in case something goes wrong.

An extra Mastercard debit card

A card made of metal is a special thing, so keeping yours alongside a regular bank card that you can rely on for ‘everyday’ use or travel isn’t a bad idea. Order an extra card for your Metal account and choose a color from N26 You range—you can then use it in exactly the same way as its metal counterpart.

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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 are here for you. Speak to one of our designated Metal customer support specialists by phone, or chat to us directly in the app.

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N26 Premium Metal dedicated phone support.
N26 Metal - Charcoal Black.

Your card, your style.

Open your N26 Metal account for €16.90 per month or upgrade, and redefine your banking experience.

Frequently Asked Questions

What are the requirements to open an N26 Metal account?

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.

What do I need to open my N26 Metal 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.

You can find more information at our Support Center.

How do I get an N26 Metal debit card?

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.

How many free ATM withdrawals can I use each month with N26 Metal?

If you opened your account in Germany, your N26 Metal Mastercard debit allows you to enjoy up to 5 fee-free ATM in the country. If you go over this fee-free limit, you’ll have to pay €2 for every additional withdrawal.

Elsewhere in the Eurozone, and just like with all foreign currency payments, all ATM withdrawals are free and unlimited with N26 Metal.

What are the insurances included with this premium account?

The N26 premium accounts include a mobility and travel insurance : Emergency medical cover that covers you, your spouse and your children (which also includes dental insurance and winter sports insurance) Trip curtailment or cancellation insurance Flight delay insurance and luggage delay or loss cover Bike, scooter and car sharing insurance Car rental insurance Cell phone insurance

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

What extra insurance do you get with N26 Metal?

Alongside the regular insurance package available with N26 premium accounts, N26 Metal also gives you mobile phone and car rental 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 are the other benefits of an N26 Metal account?

N26 Metal also offers unlimited ATM withdrawals in foreign currencies, as well as free card payments worldwide. On top of this, your premium account gives you access to unique Experiences and hand-picked partner offers.

How much does the N26 Metal bank account cost?

The N26 Metal account costs €16.90 per month, with a 1-year commitment period.

Allianz logo. 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)