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.

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.

Discover your Mastercard

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: 2.6% p.a.** It’s yet another benefit of our most premium bank account.

More about the Instant Savings account
Mobile showing N26 saving account interface with a 2.6% interest rate.

*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: 2.6% 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.

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

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

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.

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 €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.

Personal liability while traveling

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

Purchase protection

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

Travel emergencies

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.

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.

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.

Trip interruption

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

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 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

Purchase protection

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

Personal liability while traveling

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

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 the N26 You color range — you can then use it in exactly the same way as its metal counterpart.

Read more
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 . 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 . 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 .

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 in our Support Center.

Is the N26 Metal card a credit card?

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 in our guide.

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 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.

What are the insurances included with this premium account?

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 .

What extra insurance do you get with N26 Metal?

Alongside the insurance package available with N26 You, N26 Metal also gives you additional mobile phone and purchase protection 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 that, your premium account gives you access to unique Experiences and hand-picked partner offers.

How much does the N26 Metal premium bank account cost?

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

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

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 .

I’m planning to switch banks. Does N26 offer an account switching service?

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 — you can switch your bank account to N26 from almost any German bank. Discover today how you can 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)

*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.