Risk indicator for all N26 accounts.
1
/6
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 4% NIR (3.8% 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: 4% NIR* (3.8% AER) It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
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. *N26 Instant Savings has no minimum or maximum deposit limit. *3.8% AER (4% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €3 797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum 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 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?
