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.

Metal card on rocks.

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!

Phone insurance.

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 €1,000 in case of theft or damages. It doesn’t even matter whether you bought it with your N26 bank account or not.

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

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. Personalize your sub-account with a name and an icon, set a goal amount and track your progress along the way. And thanks to Shared Spaces, you can even ask your friends and family to join your sub-accounts to save money together.

Discover Spaces

Your travel assistance package, now with pandemic coverage

Your N26 Metal account comes with extensive travel coverage that protects you wherever you are, including for claims due to epidemics or pandemics such as COVID-19*. Minimize the stress during necessary travel, and breathe deep with extra peace of mind.

*Available for trips started on or after January 22, 2021. Exclusions apply. Please find more information here.

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Travel insurance concept.

Medical emergencies abroad

N26 Metal covers your medical emergencies around the world. This includes insurance for your partner and children, and access to 24/7 medical phone assistance.

Trip curtailment and cancellations

Need to urgently cancel or change your trip? If something doesn’t go to plan, your N26 Metal bank account provides coverage for the unexpected.

Flight and luggage delays

Receive compensation in case your flight has a 4 hour delay, or if your luggage is lost or held up more than 12 hours during your trip.

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.

Lifestyle insurance

At home or abroad, N26 covers you on your adventures. And with winter sports insurance, this even extends to the ski slopes during your trip to the mountains.

Rentals insurance for shared cars, bikes and scooters

Getting around should be fun and trouble-free—N26 Metal covers your shared rentals, regardless of whether it’s a car, bike or an electric scooter.

Winter sports insurance

Do you like to hit the slopes? With your N26 Metal account, you are covered in case of emergency while you are enjoying winter sports.

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.

Go to Support Center
N26 Premium Metal dedicated phone support.

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.

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Choose your premium N26 Metal card

N26 Metal - Charcoal Black.

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?

  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

What does the pandemic coverage include?

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?

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)