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 coverage—and a world of extra benefits.

Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Metal customers enjoy our highest interest rate: 4%* p.a. It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 4% p.a. interest rate, balance in the main account, and in the savings account.

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.
Metal card on rocks.

Virtual currencies, real risks. In crypto, only the risk is guaranteed. The value of your virtual currencies can fluctuate strongly, and you may lose the full amount of the investment. Learn more here.

The easy way to save on crypto fees

N26 Metal is easy on the eyes and an easy way to save on crypto fees. With a Metal account, you get an exclusive discount on N26 Crypto trading fees — pay 1% for Bitcoin and 2% for other coins.***
Learn more
Black n26 Metal card next to an iPhone with the N26 open and showing the crypto interface.

The market for crypto assets constitutes a high risk. A complete loss of capital is possible at any time. N26 Crypto is powered by Bitpanda Asset Management GmbH.

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've all been there, but losing your smartphone doesn't have to be a big deal. Yet, with N26 Metal, your phone is covered in case of theft or damage up to €2,000*. It doesn’t even matter if you paid for your phone with your N26 debit card or not.

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
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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.

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Purchase protection

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

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Emergencies when traveling

The N26 You 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.

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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.

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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.

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Trip interruption

Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.

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.
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Purchase protection

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

Ski insurance icon

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.

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
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.
Read more

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 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?
  • What are Spaces sub-accounts, and how can I use them?

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). **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, standard fees apply: 1.5% on Bitcoin and 2.5% on all 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. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction, 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. 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)