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.
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.
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.Read more
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.
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.
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.Read more
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
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 does the pandemic coverage include?
If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and coverage for canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.
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.
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 here.
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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)