Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Earn 2% interest. Invest from €1.
Invest in your future with up to 1.30% AER (1.50% NIR)1 on all your savings. Enjoy lower crypto fees and trade 5,000+ stocks and ETFs for free.2
Protect what matters most
Get global travel insurance for cancellations, emergencies, and delays. Plus smartphone coverage, and purchase protection — provided by Allianz Assistance.3
First-class phone support
Contact our Customer Support team by phone, or chat with us 24/7 directly in the app.
Lounge access, unlocked
Skip the travel stress with access to over 1,300 airport lounges around the world.4 Your first visit each year is free with Metal.
Stainless steel style
A metal card made from 16g of solid stainless steel — available in three matte shades to make you stand out.
Banking at its finest
Download the app and start using our best bank account in minutes.
1 The Instant Savings interest rate with N26 Metal is 1.30% AER (1.50% annual NIR). With this rate, if you maintain a daily balance of €100,000 in your N26 Metal Instant Savings account for 12 months, you would earn €1,500 gross interest (annual subscription cost: €202.80). Interest is settled monthly and is subject to withholding tax. The rate applies to the full amount deposited in the Instant Savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.
2 Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
Stocks and ETFs: Investing always involves the risk of losing your capital. Stocks and ETFs can fluctuate significantly in value, meaning returns are not guaranteed and a full loss of the invested amount is possible. Past performance does not predict future results. These products may not be suitable for every investor, so make sure you understand the risks before making any investment decisions. The information provided here is general in nature and does not constitute investment advice, a recommendation, or an offer to buy or sell financial instruments. Order transmission services for financial instruments are available only to clients of N26 Bank SE. Brokerage services are offered in the N26 app in cooperation with Upvest Securities GmbH. The numbers of available Stocks and ETFs can vary per market. Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
Crypto: Digital assets carry a high risk of partial or total capital loss due to extreme price volatility and cybersecurity vulnerabilities. Returns are not guaranteed, and a complete loss of funds is possible. Past performance is not a reliable indicator of future outcomes. Ensure you have sufficient knowledge and understanding before engaging in any crypto transactions. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienna Austria, RC FN569240 v).
3 Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet and Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
4 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access.
FAQ
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, French, German, Italian, or Spanish
- Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
- Individual quarantine and other events listed in the collective insurance agreement
- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- Trip delayed due to covered reasons by at least two hours.
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Reimbursement in case of damage, theft or loss of travel documents
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- Theft, accidental damage; high voltage (including lightning) damage
- Theft; accidental damage to eligible goods for 12 months immediately after purchase
- Events occurring outside the validity dates indicated in the conditions for beneficiaries
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity
- Damage of any kind caused intentionally by the beneficiary or with their complicity
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events
- Claims arising due to pre-existing medical conditions
- Violation of international sanctions, laws or regulations
- The policy deductible that is applicable to claims made under some benefit sections
- Financial limits apply to each benefit section
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section
- For purchase protection, objects with a minimum value below €100
- For Mobile telephone accidental damage and theft, objects older than 2 years
- War (declared or undeclared) or acts of war
- Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
- Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
- Intentional self-harm or attempt or comit suicide
- Unstabilized illnesses or injuries that were diagnosed or treated
- An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description
- Local health situations, pollution, weather or climate events
- Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description
- Expenses incurred without the prior agreement of our assistance department
- The cost of treatment or care not resulting from a medical emergency
- The consumption of alcohol or drugs not medically prescribed
- Participation in a professional or dangerous sport
- Trip cancellation: €20 deductible per beneficiary
- Purchase protection: €50 deductible per claim; depreciation: 10% every 6 months following the purchase date
- Mobile phone: Purchase less than two years old; depreciation: 10% every 6 months following the purchase date
You must meet the following requirements to open an N26 Metal account:
Once you've checked that you meet our basic requirements, just download the N26 app to open your account.
Forget the paperwork — opening an N26 Metal account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
The N26 Metal account costs €16.90 per month.
N26 Metal is a paid bank account designed for those who want a high level of financial flexibility and protection. As a Metal customer, you’ll enjoy our most competitive conditions for building wealth, including a market-leading interest rate on N26 Instant Savings and discounted crypto trading fees. Your time is also prioritized with access to a dedicated priority Customer Support line and one free airport lounge pass every year to make your travels more comfortable.
Like our other paid plans, you’ll also have access to 10 Spaces sub-accounts and integrated tools for investing in stocks and ETFs.
To top it all off, you’ll receive our signature stainless steel Debit Mastercard, available in Charcoal Black, Quartz Rose, or Slate Grey. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
The card you receive with your N26 Metal premium bank account is a Debit Mastercard. Some of its features are the same as those you get with a credit card, although there are a few key differences. You can pay online, in stores, and in apps with your Debit Mastercard, and withdraw cash from ATMs with no hidden fees. Forgot your card at home? Simply add your N26 card to Apple Pay, Google Pay, Samsung Wallet, or Garmin Pay and pay with your phone or smartwatch — that way, you’re always prepared.
Your N26 Metal bank card comes in one of three distinct metallic shades: Charcoal Black, Quartz Rose, and Slate Grey. You'll receive a card number, expiration date, and CVC for your Debit Mastercard — just like you would with a credit card.
Your N26 Metal Mastercard includes eight fee-free ATM withdrawals in the eurozone per month. After that, you’ll be charged €2 for every additional withdrawal. You can see in the app how many free withdrawals you have left.
N26 Metal offers an extensive insurance package provided by Allianz Assistance. In addition to full travel coverage, this includes specialized protection for your smartphone against theft or accidental damage (up to €2,000) and purchase protection for eligible items bought with your card.
To find out more about the insurance benefits associated with your N26 Metal account please refer to the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
Customers with a German IBAN account in Spain can find more information here.
Trip Cancellation
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To find out more about the insurance benefits associated with your N26 Metal account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
- General exclusions apply to the whole policy and some benefit sections contains conditions specific to that section
Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations.
Main exclusions