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.

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, and try Round-Ups to save up the spare change whenever you pay by card. Staying on top of your finances has never been easier.

Explore sub-accounts

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.

View partner offers

Your travel assistance package, now with pandemic coverage

Your N26 Metal account comes with extensive travel coverage that protects you wherever you are, including for claims due to epidemics or pandemics such as COVID-19*. Minimize the stress during necessary travel, and breathe deep with extra peace of mind.

*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.

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Travel insurance concept.

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.

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 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.

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.

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.

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.

EasyFlex Savings Interface.

Grow your savings every day

It pays to save with EasyFlex Savings. Set it up in just a few taps on your N26 app, and start earning competitive daily interest on your money—without locking it away.

Enjoy complete freedom on how you save with no minimum deposit time, and no notice periods. It's just another smart way to make your money go further with N26.

Get EasyFlex Savings

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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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.

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.

Go to Support Center
N26 Premium Metal dedicated phone support.

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?

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

What are the insurances included with this premium account?

What does the pandemic coverage include?

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 bank account cost?

What are Spaces sub-accounts, and how can I use them?

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)