The bank account with a premium metal card and insurance

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.

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.

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.

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.

N26 Metal includes travel insurance, mobility insurance and cover for your everyday life. At a glance, you get:

1. Urgent medical care for you, your partner and children (including dental care)
2. Travel insurance in case of cancellation or curtailment
3. Theft and luggage insurance in case of delay or loss
4. Insurance for car sharing, scooter or bike rentals
5. Car rental insurance
6. Mobile phone insurance

To find out more about the insurance included with your premium card and offered by Allianz, please refer to the General Terms and Conditions of the insurer.

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 coverage for 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.

Not only do you benefit from the whole range of insurances that come with the N26 Metal account, but you’ll also benefit from coverage for your mobile phone and car rentals, both at home and abroad.

No, mobile phone cover is included in your monthly fee of your N26 Metal account.

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.

An N26 Metal bank account and premium card is €16.90 per month. The minimum contract period is one year.