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.
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.
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.
Stay on top on your finances with Spaces sub-accounts
Open up to 10 Spaces sub-accounts with IBANs in seconds, and effortlessly organize your money. Instantly put money aside from your main account, then create standing orders for recurring payments, send and receive SEPA transfers, or pay bills via direct debit—right from each space.
Plus, enjoy premium features such as Shared Spaces to manage money together with others, and try Round-Ups to save up the spare change whenever you pay by card. Staying on top of your finances has never been easier.Discover Spaces
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.Read more
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.
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.Visit our Support Center
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.Read more
What are the requirements to open an N26 Metal account?
You can sign up to N26 Metal if you meet the eligibility criteria. 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 Metal account, you must meet the eligibility criteria. You can then register on our website or from the N26 mobile 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.
You can find more information at our Support Center.
How do I get an N26 Metal debit card?
When you open your N26 Metal account via the website or app, you can choose the color of your metal Mastercard. This step takes place before identity verification. Once your identity has been verified, 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 use each month with N26 Metal?
If you opened your account in Germany, Austria, Italy, Spain or France your N26 Metal Mastercard debit allows you to enjoy up to 5 fee-free ATM in the country. If you go over this fee-free 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 are the insurances included with this premium account?
The N26 premium accounts include a mobility and travel insurance :
- Emergency medical cover that covers you, your spouse and your children (which also includes dental insurance and winter sports insurance)
- Trip curtailment or cancellation insurance
- Flight delay insurance and luggage delay or loss cover
- Bike, scooter and car sharing insurance
- Car rental insurance
- Cell phone insurance
To know more about the Alliance insurance package, please read the Terms and Conditions.
What does the pandemic coverage include?
If you’re an N26 You, Business You, Metal or Business Metal customer, epidemic and pandemic coverage is now included with your travel assistance package at no extra cost for trips started on or after January 22, 2021. The epidemic and pandemic travel coverage includes emergency hospital and medical expenses abroad, medical transportation and repatriation assistance, and canceled or interrupted trips for reasons relating to a pandemic or epidemic, such as COVID-19. Exclusions apply. You can find more detailed information here.
What extra insurance do you get with N26 Metal?
Alongside the regular insurance package available with N26 premium accounts, N26 Metal also gives you mobile phone and car rental insurance.
Do I have to pay additional fees to benefit from the mobile phone insurance?
No, mobile phone insurance is already included in your monthly N26 Metal membership fee.
What are the other benefits of an N26 Metal account?
N26 Metal also offers unlimited ATM withdrawals in foreign currencies, as well as free card payments worldwide. On top of this, your premium account gives you access to unique Experiences and hand-picked partner offers.
How much does the N26 Metal bank account cost?
The N26 Metal account costs €16.90 per month, with a 1-year commitment period.
What are Spaces sub-accounts, and how can I use them?
N26 Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund. Of course, how you use your spaces is up to you—it’s not necessary to add an IBAN to each space if you don’t need one.
With unique IBANs for each Spaces sub-account, you can receive SEPA bank transfers and pay via direct debit—right from each space. Try using Rules to automatically set your bill money aside to a space, then pay via direct debit from your sub-account. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other N26 customers. However, please note that an IBAN cannot be added to a Shared Space for now. Stay tuned for more updates to come! Find out more about Spaces and Shared Spaces here.
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)