Risk Indicator corresponding to the bank account N26 Metal


This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.

Entity attached to the German Deposit Guarantee Fund. The fund guarantees deposits on money up to 100,000 euros per owner of the European Union and entity.

N26 Metal

The ultimate premium plan with a statement metal card

N26 Metal has everything you'd expect from a premium plan, and more. Enjoy a banking experience with zero foreign transactions abroad, an extensive insurance coverage for your everyday needs and when you travel, and many other benefits and exclusive offers.

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.

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 €1,000*.

Start saving with Spaces sub-accounts

Looking for new ways to manage your money? Take advantage of up to 10 Spaces sub-accounts to better organize your finances in an easy, visual way. Create a space for your next trip or treat yourself to something you've had your eye on for a while—then, just set your goal and start saving straight away. You can also invite up to 10 other N26 users to join your space, making money management together, such as splitting the bills, easier than ever.

Discover Spaces

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.

Send and receive money instantly with Bizum

Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!

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 plans. If you are forced to curtail or cancel your trip, N26 Metal 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 away from home or abroad.

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.

Exclusive N26 Perks and Experiences, just for you

With your N26 Metal account, get access to deals and offers from partner brands, all carefully selected with you and your lifestyle in mind. Enjoy a wide range of perks from brands such as WeWork, Hotels.com, GetYourGuide and tap into unique N26 Experiences. We’re constantly evolving what’s on offer—just check your N26 app to see what’s currently available, alongside more information on how to take advantage.

View partner offers

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.

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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

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.

See list of documents

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.

Frequently Asked Questions

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 plans include a mobility and travel insurance:

  • Emergency medical cover for you, your partner and children (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
  • Rental car insurance
  • Mobile phone insurance

To find out more about this Allianz insurance package, please read the Terms and Conditions.

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.

Alongside with the regular travel insurance available with N26 premium accounts, N26 Metal also gives you rental car and mobile phone 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.

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)