N26 Metal
The bank account with a premium metal card and insurance
Be bold with N26 Metal. Enjoy a premium bank experience without hidden fees, an extensive travel and lifestyle insurance package for peace of mind at home and abroad, and many more exclusive benefits, for €16.90 per month.
Discover your N26 Metal debit card
Get a statement N26 Metal card in 18-grams of stainless steel, available in three metallic shades—quartz rose, slate grey and charcoal black. This premium card stands out with its elegant, minimalist design, and gives you all the functionality that you need thanks to mobile payments and contactless technology.
Enjoy free payments and withdrawals abroad
Wherever you are in the world, pay online and in stores with your N26 Metal Mastercard without any currency exchange fees. And your withdrawals at foreign ATMs are also free worldwide. The sky’s the limit!
Mobile phone insurance
Everyone’s had their phone stolen or broken in the past. As an N26 Metal customer however, you’ll benefit from mobile phone insurance of up to €2,000 in case of theft or damages. It doesn’t even matter whether you bought it with your N26 bank account or not.
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.
Purchase protection
Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card
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.
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.
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.
Trip interruption
Get covered up to €10,000 for unused non-refundable trip costs, plus additional accommodation and transportation.
Save up for your projects with sub-accounts
Looking for an easier way to save money? With N26 Spaces, open up to 10 sub-accounts to organize your budget and set aside your money for another day. Customize your sub-account with a name and an icon, set a goal amount and track your progress along the way.
Discover SpacesPurchase protection
Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card
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.
Dedicated customer service, always on-hand to help
If you need urgent assistance, we’re here for you. With an N26 Metal account, benefit from a dedicated Customer Support phone line, or just chat to a specialist directly via the app. Alternatively, visit our Support Center to find FAQs, and a wealth of information on managing your account.
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 moreWhat's next?
1. Register online
2. Verify your identity in a short videocall
3. Receive your N26 Mastercard
4. Enjoy your N26 account
Get a discount when you pay annually
Choose to pay for your N26 Smart, You or Metal account annually and you’ll save 20% — that’s a premium N26 account at much less of a premium.
N26 Metal
Our most premium plan
- An 18-gram metal card
- Up to 8 free ATM withdrawals per month
- Purchase protection
- Priority customer hotline
N26 You
Travel with premium perks
- Unlimited free withdrawals in foreign currencies
- Insurance for delay and theft of luggage
- Medical emergency cover
- Emergencies when travelling
N26 Smart
Save + spend with premium perks
- A physical and virtual card
- Up to 5 free ATM withdrawals per month
- 10 Spaces sub-accounts
- Phone support 7 days a week
N26 Standard
The free online bank account
- Apple Pay & Google Pay
- Free payments worldwide
- Up to 3 free ATM withdrawals per month
- *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
Frequently Asked Questions
What do you need to open an N26 Metal account?
In order to sign up to N26 Metal, you need to meet the eligibility conditions specified here. There are no minimum deposit and income requirements to open an N26 account.
What documents do I need to open my N26 Metal account and to receive my premium card?
If you meet the conditions to open a N26 Metal account, you can sign up directly from our website or by downloading the N26 mobile app. No hassle, no paperwork needed. It will only take a few minutes, and all you need is one form of ID.
After we verify your identity, you can immediately top up your account and start spending with your card. Just add it to your mobile wallet to pay with your smartphone—you don’t even have to wait for your physical card to arrive in the mail.
You will find more information in our Support Center.
How can I order a premium N26 Metal card?
When you open your N26 Metal account, you can choose the metallic shade of your metal card. This happens before your ID check. Once we verify your identity, we’ll send your Mastercard card to the delivery address you’ve provided.
To learn more about the delivery of your N26 Metal card, please visit our Support Center.
How many free cash withdrawals per month do I get with my N26 Metal card?
If you open your account in France, your N26 Metal allows you to make up to 8 withdrawals at no extra fee in France. Should you exceed this amount, each additional withdrawal will be charged €2.
Outside the Eurozone, your bank withdrawals with your premium bank card are free and unlimited, whatever the currency.
Which insurances are included with the N26 Metal bank account?
N26 premium accounts include:
- Travel delays
- Baggage delay
- Baggage coverage
- Emergencies while traveling
- Trip cancellation
- Trip interruption
- Personal liability insurance
- Mobile phone coverage
- Purchase protection
To learn more about the Allianz Assistance package, please read the Terms and Conditions.
What extra insurances are included with my premium N26 Metal account?
Alongside the insurance package available with N26 You, N26 Metal also gives you additional mobile phone and purchase protection insurance.
Do I need to pay an additional fee for the mobile phone cover?
No, mobile phone cover is included in your monthly fee of your N26 Metal account.
What are the other advantages of the N26 Metal premium card?
With your N26 metal card, payments and withdrawals in foreign currencies come with no extra charges. You can also use up to 10 Spaces sub-accounts to save and put money aside for your projects. Last but not least, on top of the insurance package, you can also enjoy exclusive partner deals and offers—alongside unique N26 Experiences, such as access to VIP events, and skip-the-line tickets)—all carefully selected for you.
What is the cost for a N26 Metal account?
An N26 Metal bank account and premium card is €16.90 per month. The minimum contract period is one year.
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)
*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.