Risk indicator for all N26 accounts.
1/6
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.
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*.
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 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
Purchase protection
Coverage up to €10,000 for stolen or damaged eligible purchases bought with your N26 card.
Personal liability while traveling
Coverage up to €500,000 for Travel Liability in case you’re legally liable for damage to a third party or their property during a trip.
Send and receive money instantly with Bizum
Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!
Travel emergencies
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.
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.
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 offersAn 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.
Read more
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 CenterFind out what documents you need to open your N26 account
We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.
See list of documents
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.
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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)