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.
Metal card on rocks.

Start earning interest

No deposit limits** interests paid monthly, and full flexibility. Discover N26 Instant Savings, the easy-access interest-bearing account available at no extra cost in the N26 app.N26 Metal customers enjoy our highest interest with a 4%* annual gross nominal rate. It’s yet another benefit of our most premium bank account.
Discover Instant Savings
The image shown an interest rate of 4% with a woman in the background.

Commission-free trades every month

With N26 Metal, get 15 free monthly trades for stocks and ETFs*****. It’s the simple way to invest in your future without having to leave your banking app. 
Discover Stocks and ETFs
Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

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.

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!

Exclusive N26 Perks, hand-picked for you

As an N26 Metal customer, get access to special deals and offers from partner brands such as WeWork, GetYourGuide and Hotels.com, and tap into unique Experiences that enrich your day-to-day. The selection of what’s on offer is always evolving, and is designed with your personal interests and lifestyle in mind. Don’t miss out—check which N26 Perks are available right now in the app!
View partner offers
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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.

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.

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
N26 Premium Metal dedicated phone support.

One more way to pay less on fees***

N26 Metal is easy on the eyes and an easy way to save on crypto trading fees. With a Metal account, you get a discount on trading fees — pay 1% for Bitcoin and 2% for other coins.****
Explore Crypto
Imagen de la sección Crypto en la aplicación n26 que muestra el rendimiento de Ethereum, Bitcoin y Shiba junto a la tarjeta N26 Metal. In the foreground disclaimers of crypto.

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
N26 Metal - Slate Grey.
N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.

Choose your premium N26 Metal card

Open your N26 Metal account for €16.90 per month (with a 12-month contract) and discover a new banking experience that’s packed with perks.

Frequently Asked Questions

  • What do you need to open an N26 Metal account?
  • What documents do I need to open my N26 Metal account and to receive my premium card?
  • How can I order a premium N26 Metal card?
  • How many free cash withdrawals per month do I get with my N26 Metal card?
  • Which insurances are included with the N26 Metal bank account?
  • What extra insurances are included with my premium N26 Metal account?
  • Do I need to pay an additional fee for the mobile phone cover?
  • What are the other advantages of the N26 Metal premium card?
  • What is the cost for a N26 Metal account?

*Deposits at N26 Instant Savings earn interest at an annual gross nominal rate of 4% with N26 Metal, 2.8% with N26 Smart and N26 You and 2.26% with N26 Standard, which may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank AG, Succursale France. **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ***Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://n26.com/en-fr/crypto. ****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. ***** Investments in stocks and ETFs carry a risk of capital loss. N26 Stocks and ETFs is provided by N26 Bank AG in partnership with Upvest Securities GmbH. Stocks and ETF is currently only available to N26 account holders with a French IBAN (customers in a business relationship with N26 Bank AG, Succursale France). Learn more N26 Stocks and ETFs on this page. 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)