N26 Metal

The ultimate bank account with a statement metal card

Make a statement with N26 Metal, and enjoy a new generation premium banking experience with zero fees abroad, an extensive insurance package—including phone and car insurance—and a world of extra benefits.

Metal card on rocks.

A unique N26 Metal debit card

N26 Metal’s Mastercard debit is crafted in 18-grams of stainless steel, and is available in three distinct metallic shades. Standing for the ultimate in premium banking, the engraved card offers minimalist design, along with all the contactless functionality you need.

Fee-free ATM withdrawals worldwide

Pay with your N26 Metal Mastercard online and in stores, avoiding hidden fees and benefiting from zero foreign transaction fees worldwide. You can also withdraw cash for free in any currency from ATMs worldwide.

Phone insurance.

Mobile phone insurance

We all know the feeling—losing your smartphone is frustrating. Yet, with N26 Metal, your phone is covered in case of theft or damage up to €1,000*. It doesn’t even matter if you paid for your phone with your N26 debit card or not.

Exclusive rewards, suited to your lifestyle

Enjoy access to hand-picked deals and selected discounts from world-renowned partner brands—all chosen with modern lifestyles in mind. With N26 Perks, benefit from an ever-growing range of offers from the likes of WeWork, Hotels.com, GetYourGuide, and many more. For more information on what’s currently available to you—as well as how to redeem your deals—please check your N26 app.

Discounts.

Sub-accounts for all your goals

With N26 Spaces, you can open up to 10 sub-accounts for a better way to organize your finances, and put money aside to meet your financial goals. Whatever you’re striving for, just create a space, and start saving right away. And that’s not all—you can also invite up to 10 other N26 users to join the same sub-account for an even more streamlined option to manage your money together with friends and family.

Explore sub-accounts

Your travel assistance package, now with pandemic coverage

Your N26 Metal account comes with extensive travel coverage that protects you wherever you are, including for claims due to epidemics or pandemics such as COVID-19*. Minimize the stress during necessary travel, and breathe deep with extra peace of mind.

*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.

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Travel insurance concept.

Emergency medical cover

Providing cover for you, your spouse and children, N26 Metal offers insurance in case of a medical emergency abroad, including dental care. Need to speak to someone directly? You can—thanks to access to 24/7 medical phone assistance.

Trip curtailment or cancellation insurance

We get it—plans sometimes change, and things don’t go to plan. Thankfully, if you can’t make it to the airport, N26 Metal’s trip curtailment and cancellation insurance has you covered.

Flight delay and luggage coverage

Flight more than 4 hours delayed? Luggage got lost enroute, or is delayed by more than 12 hours? In such unfortunate circumstances, get compensated so you’re not stuck without your essentials.

Car rental insurance abroad

If you’re renting a car further away from home, or while on a trip abroad, N26 Metal covers you for up to €20,000.

Lifestyle insurance concept.

Lifestyle insurance

Commute and ride without the worry, be it down your street or during a ski trip—N26 Metal has you covered, wherever you go.

Bike, scooter and car sharing insurance

Love hiring transport through an app? Whether it’s a car share, or a bike or scooter rental, you can now enjoy that extra peace of mind.

Winter sports emergency cover

Thanks to your N26 Metal account’s winter sports emergency insurance, rest assured you’re covered while skiing or snowboarding down the mountain.

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.

Go to Support Center
N26 Premium Metal dedicated phone support.

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.

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Your card, your lifestyle.

For €16.90 per month, sign up or upgrade to our most premium account available, and redefine your banking experience.

N26 Metal - Charcoal Black.

Frequently Asked Questions

What are the requirements to open an N26 Metal account?

What do I need to open my N26 Metal account?

How do I get an N26 Metal debit card?

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

What are the insurances included with this premium account?

What does the pandemic coverage include?

What extra insurance do you get with N26 Metal?

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

What are the other benefits of an N26 Metal account?

How much does the N26 Metal bank account cost?

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)