N26 Metal — your financial future at your fingertips
The exclusive plan that’s made for saving and investing. Make a statement with a metal debit card, and enjoy travel insurance, purchase protection, and more.
Make every trip pay off
Get 1% back when you pay abroad with your N26 Go
or Metal card, with no limit to how much you can earn!
This cashback** applies whenever you use
your card outside the European Economic Area,
UK, and Switzerland — for up to 12 months. Get an additional 0.1% cashback on card payments
with N26 Business Go and 0.5% with Business Metal.
Open an account
More than a pretty face
Here’s an at-a-glance look at everything you get with Metal.
Build your portfolio
Trade stocks and ETFs for free*** to expand your investment portfolio.
Enjoy true peace of mind
We’ll take care of the unexpected with versatile travel insurance, purchase protection, and mobile phone coverage.
The 18-gram metal bank card
With our exclusive metal debit card you’ll enjoy free withdrawals abroad and card payments with no foreign transaction fees.
You’re always our priority
Contact our designated Metal Customer Support team by phone, or chat directly in the app.
Invest in your future
Metal is the premium bank account that helps you build your portfolio with free stock and ETF trading***, lower crypto fees****, and flexible savings plans.
Discover Stocks & ETFs
Get an ECB-linked interest rate
Open a new N26 Metal account and earn 2% interest p.a.* with N26 Instant Savings — linked to the European Central Bank rate.
Explore Instant Savings
Your ticket to the lounge
Travel stress-free with access to 1,300+ airport lounges worldwide. Your first visit is free with N26 Metal.
Open an account
Travel the world with one eSIM
Set up your travel eSIM once and get affordable data for 100+ destinations.
Get travel eSIM
We’ve got you covered
Metal customers enjoy our most extensive insurance package, provided by Allianz Assistance.
Mobile phone insurance
Get covered up to €2,000 for accidental damage or theft of a phone less than two years old.
Travel insurance
You’re covered for trip delay, interruption, and cancellation, baggage delay, loss, and theft, emergency medical treatment, and personal liability.
Purchase protection
You’ll get up to €2,500 per claim for accidental damage or theft of an eligible purchase.
Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet and Conditions for Beneficiaries.
Metal — the truly premium bank account
Get worldwide payments with no foreign transaction fees, and free ATM withdrawals abroad with your 18-gram metal bank card.
1 Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. Subject to change by N26 at any time. Terms and conditions apply.
2 Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
3 Exclusions and restrictions apply. Please note that the terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. For more information, please see the N26 Metal Allianz Assistance Insurance Product Information Sheet and N26 Metal Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
4 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access.
FAQ
- Be over the age of 18
- Live in an eligible country
- Have your own smartphone
- Not yet have an account with N26
- Have a valid ID
- Be able to verify yourself in one of our supported languages: English, French, German, Italian, or Spanish
- Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
- Individual quarantine and other events listed in the collective insurance agreement
- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- Trip delayed due to covered reasons by at least two hours.
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Reimbursement in case of damage, theft or loss of travel documents
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- Theft, accidental damage; high voltage (including lightning) damage
- Theft; accidental damage to eligible goods for 12 months immediately after purchase
- Events occurring outside the validity dates indicated in the conditions for beneficiaries
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity
- Damage of any kind caused intentionally by the beneficiary or with their complicity
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events
- Claims arising due to pre-existing medical conditions
- Violation of international sanctions, laws or regulations
- The policy deductible that is applicable to claims made under some benefit sections
- Financial limits apply to each benefit section
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section
- For purchase protection, objects with a minimum value below €100
- For Mobile telephone accidental damage and theft, objects older than 2 years
- War (declared or undeclared) or acts of war
- Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
- Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
- Intentional self-harm or attempt or comit suicide
- Unstabilized illnesses or injuries that were diagnosed or treated
- An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description
- Local health situations, pollution, weather or climate events
- Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description
- Expenses incurred without the prior agreement of our assistance department
- The cost of treatment or care not resulting from a medical emergency
- The consumption of alcohol or drugs not medically prescribed
- Participation in a professional or dangerous sport
- Trip cancellation:
Deductible: €20 per beneficiary - Purchase protection:
Deductible: €50 per claim, Depreciation: 10% every 6 months following the purchase date - Mobile phone: Purchase less than 2 years old, Depreciation: 10% every 6 months following the purchase date
You must meet the following requirements to open an N26 Metal account:
Once you've checked that you meet our basic requirements, just download the N26 app to open your account.
Forget the paperwork — opening an N26 Metal account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
The N26 Metal account costs €16.90 per month.
N26 Metal is a paid bank account designed for those who want a high level of financial flexibility and protection. As a Metal customer, you’ll enjoy our most competitive conditions for building wealth, including a market-leading interest rate on N26 Instant Savings and discounted crypto trading fees. Your time is also prioritized with access to a dedicated priority Customer Support line and one free airport lounge pass every year to make your travels more comfortable.
Like our other paid plans, you’ll also have access to 10 Spaces sub-accounts and integrated tools for investing in stocks and ETFs.
To top it all off, you’ll receive our signature stainless steel Debit Mastercard, available in Charcoal Black, Quartz Rose, or Slate Grey. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
The card you receive with your N26 Metal premium bank account is a Debit Mastercard. Some of its features are the same as those you get with a credit card, although there are a few key differences. You can pay online, in stores, and in apps with your Debit Mastercard, and withdraw cash from ATMs with no hidden fees. Forgot your card at home? Simply add your N26 card to Apple Pay, Google Pay, Samsung Wallet, or Garmin Pay and pay with your phone or smartwatch — that way, you’re always prepared.
Your N26 Metal bank card comes in one of three distinct metallic shades: Charcoal Black, Quartz Rose, and Slate Grey. You'll receive a card number, expiration date, and CVC for your Debit Mastercard — just like you would with a credit card.
Your N26 Metal Mastercard includes 8 fee-free ATM withdrawals in the eurozone per month. After that, you’ll be charged €2 for every additional withdrawal. You can see how many free withdrawals you have left in the app.
You’ll also get unlimited free withdrawals outside the eurozone.
N26 Metal offers an extensive insurance package provided by Allianz Assistance. In addition to full travel coverage, this includes specialized protection for your smartphone against theft or accidental damage (up to €2,000) and purchase protection for eligible items bought with your card.
To find out more about the insurance benefits associated with your N26 Metal account please refer to the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
Trip Cancellation
Which events are covered?
Which events are covered? Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered? Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
To find out more about the insurance benefits associated with your N26 Metal account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
- General exclusions apply to the whole policy and some benefit sections contains conditions specific to that section
Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations.
Main exclusions
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