Build your future wealth
Earn 1.50% interest p.a.1 with N26 Instant Savings and up to 2.14%2 with our flexible cash fund. Capital at risk.Invest in stocks, ETFs, and crypto from €1 — and enjoy lower crypto fees.3
A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 11/06/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results.
Protect what matters most
Get global travel insurance for cancellations, emergencies, and delays. Plus smartphone coverage, and purchase protection — provided by Allianz Assistance.4
First-class phone support
Contact our Customer Support team by phone, or chat with us 24/7 directly in the app.
Lounge access, unlocked
Skip the travel stress with access to over 1,300 airport lounges around the world.5 Your first visit each year is free with Metal.
Get connected
Enjoy 5G, unlimited calls and SMS within Germany, and free roaming within the EU — all with no unexpected charges at the end of the month.
Stainless steel style
A metal card made from 16g of solid stainless steel — available in three matte shades to make you stand out.
Banking at its finest
Download the app and start using our best bank account in minutes.
1 N26 Instant Savings account interest rates are based on your main N26 plan: from 11/06/2025 onwards, 0.25% p.a. for Standard and Smart, 0.55% p.a. for N26 Go, and 1.50% p.a. for Metal (before taxes). Please note that rates per plan can be changed by N26 over time.
2 The variable annual return rate shown (2.14%) is presented net of fees and reflects information provided by the fund manager, Fidelity International, as of 11/06/2026. This rate is subject to change on a daily basis based on market conditions.
All investments carry a risk of capital loss. A flexible cash fund is not a guaranteed investment, and a total loss of your investment is possible at any time. The risk of loss of principal is borne entirely by the investor. Investing in a flexible cash fund differs from an investment in deposits. The capital invested may fluctuate. The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share. Before investing, please assess your financial situation carefully and consider seeking independent advice, review as well the Key Information Document (KID) and our full Terms & Conditions. The statements on this landing page do not constitute financial advice. The values depicted are fictional and for illustrative purposes only. Service of reception and transmission service for financial instruments by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Execution and securities custody by Upvest Securities GmbH (Schlesische Straße 33/34, 10997 Berlin, Germany, HRB 232445 B). Fund issued and managed by Fidelity (RCS B88635).
A flexible cash fund is a regulated investment product managed by Fidelity. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. As with all money market funds and other investments, there are inherent risks, including market, liquidity, and volatility risks.
When you withdraw from a flexible cash fund, you instruct us to sell your shares in the underlying money market fund. The proceeds from this sale may take up to 2 business days to reach your account. T&Cs apply.
3 Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements. Investing involves risk of financial loss. Stocks and ETFs: All investments carry a risk of loss of principal. Equities and ETFs can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities and ETFs). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank SE. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH.
Crypto: Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v).
Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
4 Exclusions and restrictions apply. For more information, please see the N26 Metal Allianz Assistance Insurance Product Information Sheet and N26 Metal Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language
5 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access.
FAQ
- You must meet the following requirements to open an N26 Metal account:
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, French, Italian, Spanish, or German
- Once you've checked that you meet our basic requirements, just download the N26 app to open your account. Forget the paperwork — opening an N26 Metal account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
- The N26 Metal account costs €16.90 per month.
- N26 Metal is a paid bank account designed for those who want a high level of financial flexibility and protection. As a Metal customer, you’ll enjoy our most competitive conditions for building wealth, including a market-leading interest rate on N26 Instant Savings and discounted crypto trading fees. Your time is also prioritized with access to a dedicated priority Customer Support line and one free airport lounge pass every year to make your travels more comfortable. Like our other paid plans, you’ll also have access to 10 Spaces sub-accounts and integrated tools for investing in stocks and ETFs. To top it all off, you’ll receive our signature stainless steel Debit Mastercard, available in Charcoal Black, Quartz Rose, or Slate Grey. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
- The card you receive with your N26 Metal premium bank account is a Debit Mastercard. Some of its features are the same as those you get with a credit card, although there are a few key differences. You can pay online, in stores, and in apps with your Debit Mastercard, and withdraw cash from ATMs with no hidden fees. Forgot your card at home? Simply add your N26 card to Apple Pay, Google Pay, or Garmin Pay and pay with your phone or smartwatch — that way, you’re always prepared. Your N26 Metal bank 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.
- Your N26 Metal Mastercard includes eight fee-free ATM withdrawals in the eurozone per month. After that, you’ll be charged €2 for every additional withdrawal. You can see in the app how many free withdrawals you have left. You’ll also get unlimited free withdrawals outside the eurozone.
- N26 Metal offers an extensive insurance package provided by Allianz Assistance. In addition to full travel coverage, this includes specialized protection for your smartphone against theft or accidental damage (up to €2,000) and purchase protection for eligible items bought with your card.
- To find out more about the insurance benefits associated with your N26 Metal account please refer to the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. Trip Cancellation Which events are covered?
- Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
- Individual quarantine and other events listed in the collective insurance agreement
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- Trip delayed due to covered reasons by at least two hours.
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Reimbursement in case of damage, theft or loss of travel documents
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- Costs payable to a third party following damage or injury
- Theft, accidental damage; high voltage (including lightning) damage
- Theft; accidental damage to eligible goods for 12 months immediately after purchase
- To find out more about the insurance benefits associated with your N26 Metal account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. General exclusions apply to the whole policy and some benefit sections contains conditions specific to that section
- Events occurring outside the validity dates indicated in the conditions for beneficiaries
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity
- Damage of any kind caused intentionally by the beneficiary or with their complicity
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events
- Claims arising due to pre-existing medical conditions
- Violation of international sanctions, laws or regulations
- The policy deductible that is applicable to claims made under some benefit sections
- Financial limits apply to each benefit section
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section
- For purchase protection, objects with a minimum value below €100
- For Mobile telephone accidental damage and theft, objects older than 2 years
- Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations. Main exclusions
- War (declared or undeclared) or acts of war
- Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
- Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
- Intentional self-harm or attempt or comit suicide
- Unstabilized illnesses or injuries that were diagnosed or treated
- An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description
- Local health situations, pollution, weather or climate events
- Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description
- Expenses incurred without the prior agreement of our assistance department
- The cost of treatment or care not resulting from a medical emergency
- The consumption of alcohol or drugs not medically prescribed
- Participation in a professional or dangerous sport
- Trip cancellation: Deductible: €20 per beneficiary
- Purchase protection: Deductible: €50 per claim, Depreciation: 10% every 6 months following the purchase date
- Mobile phone: Purchase less than 2 years old, Depreciation: 10% every 6 months following the purchase date