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

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 offers

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.

Read more
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

Find 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
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

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)