The next generation bank account, with a metal debit card

Stand out with N26 Metal and discover a unique banking experience with a premium debit card. Plus, benefit from zero foreign transaction fees around the globe, insurance coverage (mobile phone coverage included), and much more.

Metal card on rocks.

Make a statement with N26 Metal

Sign up to our most premium bank account, and get an exclusively-designed Mastercard in 18-grams of stainless steel and a choice of three metallic shades—Charcoal Black, Quartz Rose, and Slate Grey. A sophisticated combination of minimalist aesthetics, with all the contactless functionality you need.

Personal liability while traveling

Coverage up to €500,000 for Travel 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 for stolen or damaged eligible purchases bought with your N26 card.

Travel emergencies

The N26 You policy provides cover for you, your spouse and children in case of a medical emergency abroad, including 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.

Free ATM withdrawals around the globe

Pay with your N26 Metal Mastercard online and in stores, anywhere in the world—in any currency and with zero commission. You can also withdraw cash for free from ATMs worldwide in any foreign currency.

Purchase protection

Coverage up to €10,000 for stolen or damaged eligible purchases bought with your N26 card.

Personal liability while traveling

Coverage up to €500,000 for Travel Liability in case you’re legally liable for damage to a third party or their property during a trip.

Mobile phone insurance

We’ve all been there—losing your smartphone is stressful and frustrating. Thankfully with N26 Metal, your phone is covered in case of theft or damage up to €2,000*, regardless of whether you paid for your phone with your N26 debit card or not.

Start saving and make your projects come to life with Spaces

Putting money aside for your needs is easy with N26. With Spaces, you can open up to 10 sub-accounts that sit alongside your main account, and assign them to different saving goals. Create a space for your next trip or for that new phone you’ve always wanted, and track your progress along the way. And with N26 Metal, invite up to 10 other N26 users to join your space—ideal for managing your finances together with friends and family.

Discover Spaces
N26 Premium Metal dedicated phone support.

Dedicated Customer Support, when you need it

Need assistance? We’re always available to help! With an N26 Metal bank account, you have priority access to Customer Support via the phone. You can also contact one of our specialists via the chat in the mobile phone app, or the N26 website.

Or, if you're looking for a quick answer to one of our frequently asked questions, visit our Support Center.

Visit our Support Center

Order an extra card for your account

In addition to your premium debit card in stainless steel, you can get an additional card linked to your bank account for extra flexibility. Just order an extra card and choose one of the 5 colors available in the N26 You range—it has the exact same functionality as your N26 Metal Mastercard.

Read more
Discounts.

Exclusive N26 Perks and Experiences, designed for you

With your N26 Metal premium debit card, enjoy access to a broad range of deals and offers from our partner brands, which we’re continuously evolving. Benefit from offers from the likes of YOOX, Hotel.com and GetYourGuide—and enjoy unforgettable moments thanks to N26 Experiences. To see what’s currently available, take a look at the selection in your N26 app.

Read more

Your premium card, in an exclusive design.

Open your bank account or switch to N26 Metal for €16.90 per month, and re-define your banking experience.

N26 Metal - Charcoal Black.

*The “N26 Standard” current account includes zero fees for the maintenance of the account, the issuance of a virtual debit card and the authorization of virtual debit card transactions, ordinary SEPA transfers in Euros, standing transfer orders, SEPA direct debits, three cash withdrawals a month at ATMs in Euro area. Fees and charges are applicable for services other than those indicated. For the complete contractual and economic conditions, see the information sheets.

Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

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)

*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.

Frequently asked questions

What are the requirements to open an N26 Metal account?

What do I need to open my N26 You bank account?

How do I get an N26 Metal debit card?

How many free ATM withdrawals can I make with N26 Metal?

What type of insurance is included with this premium account?

  • Travel delays
  • Baggage delay
  • Baggage coverage
  • Emergencies while traveling
  • Trip cancellation
  • Trip interruption
  • Personal liability insurance
  • Mobile phone coverage
  • Purchase protection

What extra insurance do you get with N26 Metal?

Do I have to pay additional fees to benefit from the mobile phone insurance?

What are the other benefits of an N26 Metal account?

How much does the N26 Metal bank account cost?