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.

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 €2,000*.

The image shown an interest rate of 2.26% with a woman in the background.

Grow your savings by 2.26% AER — only with N26

With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:

  • 2.26% AER interest calculated daily, paid monthly
  • No minimum deposit
  • No conditions or fees
  • Instant access
  • Available with free and premium N26 bank accounts

Start saving now

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.* 

Take a Look
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.

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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.

Visit our Support Center
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.

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

What are the requirements to open an N26 account with the Metal plan?

To enjoy the benefits of the N26 Metal plan, you just have to meet the general eligibility criteria to open an N26 bank account. There are no other requirements or a minimum deposit needed to open this account.

What do I need to open my N26 Metal account?

To open an N26 account and select the Metal plan, you have to meet the N26 general eligibility criteria. You can then register on our website or from the N26 app. Sign up only takes a few minutes, and no paperwork is needed. Once your identity is verified, you’ll be able to start using your bank account with the ultimate premium plan.

You can find out more at our Support Center.

How do I get an N26 Metal debit card?

When you open your N26 Metal account, you can choose the shade of your metal Mastercard in the step before verifying your identity. Once your identity has been, we’ll send your N26 Metal card to your delivery address.

To learn more about N26 Metal card delivery, head over to this article in our Support Center.

How many free ATM withdrawals can I make each month with N26 Metal?

Your N26 Metal Mastercard debit allows you to enjoy up to 8 fee-free ATM withdrawals. If you go over this limit, you’ll have to pay €2 for every additional withdrawal.

Elsewhere in the Eurozone, and just like with all foreign currency payments, all ATM withdrawals are free and unlimited with N26 Metal.

What insurance is included in this premium plan?

N26 premium accounts include:

  • Travel delays
  • Baggage delay
  • Baggage coverage
  • Emergencies while traveling
  • Trip cancellation
  • Trip interruption
  • Personal liability insurance
  • Mobile phone coverage
  • Purchase protection

To learn more about the Allianz Assistance package, please read the Terms and Conditions.

What extra insurance do you get with N26 Metal?

Alongside the insurance package available with N26 You, N26 Metal also gives you additional mobile phone and purchase protection insurance.

How to open a free N26 bank account?

To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone.

Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.

Do I have to pay additional fees to benefit from the mobile phone insurance?

No, mobile phone insurance is already included in the monthly N26 Metal plan.

What other benefits does an N26 Metal plan?

N26 Metal also offers unlimited ATM cash withdrawals in foreign currencies, as well as zero transaction fees on payments anywhere in the world. On top of this, your premium account gives you access to offers from partner brands and unique Experiences.

How much does the N26 Metal bank account cost?

An N26 account with the Metal plan costs €16.90 per month, with a 1-year commitment period.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).

We continue to work to make our customers' day-to-day life easier through beautifully simple banking.

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.