Risk indicator for all N26 accounts.
1
/6
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder 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.
Open N26 Metal account

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.
Open N26 Metal account
Metal card on rocks.

Earn 3% NIR (2.8% 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: 3% NIR* (2.8% AER). It’s yet another benefit of our most premium bank account.
Open N26 Metal account
More about the Instant Savings account
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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
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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*.
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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.

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Purchase protection

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

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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.

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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.

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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.

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

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.
Open N26 Metal account

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
N26 Premium Metal dedicated phone support.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.
N26 Metal - Charcoal Black.

Your card, your style.

Sign up to an N26 Metal bank account for €16.90 per month, and enjoy our most premium banking experience.
Open online bank account

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. *2.8% AER (3% 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 202.8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,797.20 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no minimum or maximum deposit limit.

Frequently Asked Questions

  • What are the requirements to open an N26 account with the Metal plan?
  • What do I need to open my N26 Metal account?
  • How do I get an N26 Metal debit card?
  • How many free ATM withdrawals can I make each month with N26 Metal?
  • What insurance is included in this premium plan?
  • What extra insurance do you get with N26 Metal?
  • How to open a free N26 bank account?
  • Do I have to pay additional fees to benefit from the mobile phone insurance?
  • What other benefits does an N26 Metal plan?
  • How much does the N26 Metal bank account cost?
  • Can I manage payments and receive incoming funds from public institutions with my N26 account?

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.