Enjoy a premium bank experience without hidden fees, an extensive travel and lifestyle insurance package for peace of mind at home and abroad, and many more exclusive benefits, for €16.90 per month.
Get a statement N26 Metal card in 18-grams of stainless steel, available in three metallic shades—quartz rose, slate grey and charcoal black. This premium card stands out with its elegant, minimalist design, and gives you all the functionality that you need thanks to mobile payments and contactless technology.
Staying on top of your finances is easy when you can track your spending in real-time. However you choose to spend your money, our instant push-notifications and budgeting features help you stay on track of your money goals. Spend freely, but not mindlessly!
Enjoy free payments and withdrawals abroad
Wherever you are in the world, pay online and in stores with your N26 Metal Mastercard without any currency exchange fees. And your withdrawals at foreign ATMs are also free worldwide. The sky’s the limit!
1
Register online
2
Verify your identity in a short videocall
3
Receive your Premium N26 Mastercard
4
Enjoy your N26 account
Your Allianz* insurances at a glance
Emergencies when traveling
The N26 Metal 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.
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.
Do more from the comfort of your home
As a mobile bank, we’re always by your side—wherever you are. So whether you're going far or simply enjoying the comfort of your home, we’ll bring you the best offers, perfectly suited to your lifestyle. With one of our N26 premium accounts, you can tap into exclusive deals from hand-selected partner brands that are refreshed on a quarterly basis. Sign up now to experience special offers from Adidas, YOOX and more.
A backup for your Metal card
A Mastercard made of metal is a special thing, and losing it is frustrating. That’s why it’s a good idea to get an additional one to rely on in your day-to-day, or if you’re traveling. Simply order an extra card for your Metal account from the N26 You color range.
Priority Customer Support
We’re always on-hand to help! Need a quick answer or urgent technical support? With N26 Metal, get access to a dedicated Customer Support specialist and speak to them via the phone, or chat to us directly in the app.
Your card, your lifestyle
For €16.90 per month, sign up or upgrade to our most premium account available, and redefine your banking experience.
1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
2013
Market Launch
24
Markets
~1,500
Employees
Frequently Asked Questions
In order to sign up to N26 Metal, you need to meet the eligibility conditions specified here. There are no minimum deposit and income requirements to open an N26 account.
If you meet the conditions to open a N26 Metal account, you can sign up directly from our website or by downloading the N26 mobile app. No hassle, no paperwork needed. It will only take a few minutes, and all you need is one form of ID.After we verify your identity, you can immediately top up your account and start spending with your card. Just add it to your mobile wallet to pay with your smartphone—you don’t even have to wait for your physical card to arrive in the mail.You will find more information in our Support Center.
When you open your N26 Metal account, you can choose the metallic shade of your metal card. This happens before your ID check. Once we verify your identity, we’ll send your Mastercard card to the delivery address you’ve provided.To learn more about the delivery of your N26 Metal card, please visit our Support Center.
If you open your account in France, your N26 Metal allows you to make up to 8 withdrawals at no extra fee in France. Should you exceed this amount, each additional withdrawal will be charged €2.Outside the Eurozone, your bank withdrawals with your premium bank card are free and unlimited, whatever the currency.
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.
Alongside the insurance package available with N26 You, N26 Metal also gives you additional mobile phone and purchase protection insurance.
No, mobile phone cover is included in your monthly fee of your N26 Metal account.
With your N26 metal card, payments and withdrawals in foreign currencies come with no extra charges. You can also use up to 10 Spaces sub-accounts to save and put money aside for your projects. Last but not least, on top of the insurance package, you can also enjoy exclusive partner deals and offers—alongside unique N26 Experiences, such as access to VIP events, and skip-the-line tickets)—all carefully selected for you.
An N26 Metal bank account and premium card is €16.90 per month. The minimum contract period is one year.
*N26 Instant Savings account interest rates are based on your main N26 Membership: 1.7% p.a. for Standard and Smart, 2% for You, and 3% p.a. for Metal (before taxes), as of 1.8.2024.
Please note that rates per membership are variable and can be changed by N26 over time.**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.***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, regular fees apply: 1.5% on Bitcoin and 2.5% on 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. The fees and cryptocurrency prices shown on the N26 app for every transaction and 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.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)
