Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
A Mastercard debit card that stands out
Make a statement with our most premium bank account available. Get a debit card in 18-grams of stainless steel and in your choice of three metallic shades—it’s the perfect combination of minimalist design and all the functionality you need.
Earn 2.3% AER* with N26 Metal
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: 2.3% AER (2.5% NIR)*. It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
Free trades every month
With N26 Metal, get 15 free monthly trades for stocks and ETFs. It’s the simple way to invest in your future without having to leave your banking app.
Discover Stocks and ETFs
Enjoy extra peace of mind with 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.
Personal liability while traveling
Coverage up to €500,000 for Personal 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 in 12 months for stolen or damaged eligible purchases bought with your N26 card
Emergencies when traveling
The N26 You policy provides cover for you, your spouse and children in case of a medical emergency abroad, including emergency 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.
Save on fees with N26 Metal
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
Investing in crypto assets is not regulated, may not be suitable for retail investors and the entire amount invested may be lost. It is important to read and understand the risks of this investment which are explained in detail here.
N26 Crypto is provided by Bitpanda GmbH.
Free ATM withdrawals worldwide
Pay with your N26 Metal Mastercard online and in stores anywhere in the world, and benefit from zero foreign transaction fees around the globe. You can also withdraw cash for free in any currency from ATMs worldwide.
An extra Mastercard debit card
You can't avoid the unexpected, but you can prepare for it. Just in case, order an extra card for your bank account and choose one of the 5 colors available in the N26 range—you can then use it in exactly the same way as its N26 Metal Mastercard counterpart.
Priority Customer Support, for when you need it
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 telephone, or chat to us directly in the app.
Visit our Support Center
Your card, your style.
Sign up to an N26 Metal bank account for €16.90 per month, and enjoy our most premium banking experience.
TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16.90/month. The settlement of the account is made monthly.
*2.05% AER (2.25% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, 2025, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.
**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.
Frequently Asked Questions
- Travel delays
- Baggage delay
- Baggage coverage
- Emergencies while traveling
- Trip cancellation
- Trip interruption
- Personal liability insurance
- Mobile phone coverage
- Purchase protection
To enjoy the benefits of the N26 Metal plan, you just have to meet the general eligibility criteria to open an N26 bank account. There are no other requirements or a minimum deposit needed to open this account.
To open an N26 account and select the Metal plan, you have to meet the N26 general eligibility criteria. You can then register on our website or from the N26 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 with the ultimate premium plan.
You can find out more at our Support Center.
When you open your N26 Metal account, you can choose the shade of your metal Mastercard in the step before verifying your identity. Once your identity has been, 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.
Your N26 Metal Mastercard debit allows you to enjoy up to 8 fee-free ATM withdrawals. If you go over this 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.
N26 premium accounts include:
Alongside the insurance package available with N26 You, N26 Metal also gives you additional mobile phone and purchase protection insurance.
To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone.
Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.
No, mobile phone insurance is already included in the monthly N26 Metal plan.
N26 Metal also offers unlimited ATM cash withdrawals in foreign currencies, as well as zero transaction fees on payments anywhere in the world. On top of this, your premium account gives you access to offers from partner brands and unique Experiences.
An N26 account with the Metal plan costs €16.90 per month, with a 1-year commitment period.
Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
