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.

Metal card on rocks.

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*.

Phone insurance.

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.

Lifestyle insurance concept.
Charcoal Black N26 Metal card standing against a wall.

Enjoy a 1-year Amazon Prime subscription with N26 Metal!

N26 Metal is so much more than a bank account, offering a wider selection of premium perks that are perfectly suited to your lifestyle. And now, you can enjoy a subscription to Amazon Prime for a year—for free!

Get your offer

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.

Travel insurance concept.

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.

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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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N26 Premium Metal dedicated phone support.

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.

Go to Support Center

Your card, your style.

N26 Metal - Charcoal Black.

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

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)