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.

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 €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. Customize your sub-account with a name and an icon, set a goal amount and track your progress along the way.

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.

Read more

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

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.

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 more

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?

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 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.

What does the pandemic coverage include?

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.

What extra insurances are included with my premium N26 Metal account?

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.

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.

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)