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.


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

Black N26 Metal card on top a gray concrete block.

N26 Metal: Make a statement

A metal card with premium benefits

Stand out with N26 Metal

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.

N26 Metal - Charcoal Black.
N26 Bank Account real time notifications about payments.

Free withdrawals worldwide

When you pay with your N26 Metal Mastercard online and in stores there are no markups and no transaction fees. Better still, you can withdraw cash for free in any currency from ATMs around the world.

Priority customer support

Need a quick answer or technical support right away? Metal’s dedicated support team are on hand to help. Speak to one of our designated Metal customer support specialists by phone, or chat to us in the app.

N26 Premium Metal dedicated phone support.

Insurance for travel, mobility and lifestyle*

Emergency medical cover

Families travel together. That’s why one N26 Metal policy provides cover for you, your spouse and children incase of a medical emergency abroad, with access to 24/7 medical phone assistance.

Cover for loss and delay

If your luggage is held up or goes missing, or if your flight is more than 4 hours delayed, you can claim compensation to make sure you never end up stranded without a toothbrush.

Smartphone insurance

As a mobile bank, we know how stressful losing your phone can be. With N26 Metal, it’s all in hand, thanks to up to €1,000 cover in the event of smartphone theft or accidental damage.

Car rentals, bikes and scooters

Make the journey from A to B without the worry. As well as hire car theft and damage cover, we’ve also got your back when you hire vehicles from car, bike and scooter sharing apps.

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Exclusive rewards you can make use of

Premium N26 customers get access to exclusive offers and deals from hand-selected partner brands, all chosen with modern lifestyles in mind. Enjoy perks from partners such as WeWork, Hotels.com and GetYourGuide. For more information on your Discounts and Experiences, as well as how to redeem them, please check your N26 app.

N26 Premium exclusive partner benefits.

Backup your Metal Mastercard

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 from the N26 You range, and use it just the same as its metal counterpart. (Available in Spain and Germany)

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A phone screen with the Spaces screen of the N26 app open on it.

Extra Spaces for you

Sometimes more is more, especially when it comes to organizing your money. Your premium membership gives you the freedom to create up to 10 Spaces sub-accounts alongside your main account, for reaching your savings goals. Moreover, you're now able to invite up to 10 other users to join the same sub-account to manage money together with your friends and family!

Shared Spaces
N26 Metal - Charcoal Black.

Your card, your style.

Join N26 or upgrade to Metal and redefine your 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.

Allianz logo. 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)