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.

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.

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.

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.

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.


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.

Discover Spaces

Your N26 Metal account comes with travel insurance that covers you wherever you are. Take off with extra peace of mind, and explore the world without worry.

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Travel insurance concept.
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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.

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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.

Rental car insurance icon.

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.

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

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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.

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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.

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.

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

N26 Metal - Charcoal Black.

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 :

  1. Emergency medical cover that covers you, your spouse and your children (which also includes dental insurance and winter sports insurance)
  2. Trip curtailment or cancellation insurance
  3. Flight delay insurance and luggage delay or loss cover
  4. Bike, scooter and car sharing insurance
  5. Car rental insurance
  6. Cell phone insurance

To know more about the Alliance insurance package, please read the Terms and Conditions.

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.

Allianz logo. 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)