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 and car rental included), and much more.

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.

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.

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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Medical emergency coverage

The N26 Metal policy provides coverage 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.

Trip curtailment or cancelation insurance

Don’t let an unforeseen event ruin your trip. If you have to cancel the trip or have to cut it short, the N26 Metal has you covered.

Flight delay and luggage insurance

Claim compensation if your flight is delayed by more than 4 hours, and if your luggage gets lost or delayed by more than 12 hours.

Car rental insurance abroad

With N26 Metal, you’re also covered for up to €20,000 when you rent a car away from home or abroad.

Extra peace of mind in your day-to-day

Whether you're staying at home or traveling abroad, N26 Metal is always by your side. Move around town and travel the world hassle-free with your premium debit card.

Bike, scooter and car sharing insurance

Are you a fan of electric car, bike or scooter sharing? Rest assured you’re covered with N26 Metal, thanks to insurance that covers damages to vehicles rented through shared mobility apps.

Winter sports and ski cover

If you’re a regular on the slopes, N26 Metal is a perfect match for you. It includes winter sports insurance coverage, so you can zoom down the mountain without worry.

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 €1,000*, 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.

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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.

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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.

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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.

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*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)

Frequently asked questions

What are the requirements to open an N26 Metal account?

You can sign up to N26 Metal if you meet our eligibility criteria. There are no other requirements, and no minimum deposit is needed to open this account.

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

To open an N26 Metal account, you must meet our eligibility criteria. You can then register on our website or from your N26 mobile app. Signing up only takes a few minutes, and no paperwork is needed. Once your identity has been verified, you’ll be able to start using your bank account. You can find more information at our Support Center.

How do I get an N26 Metal debit card?

When you open your N26 Metal bank account via the website or app, you can choose the shade of your Mastercard in stainless steel. This step takes place before verification of your identity. Once your identity has been verified, we’ll send your N26 Metal debit card to your delivery address. To learn more about the N26 Metal card delivery, head over to this article in our Support Center.

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

If you opened your N26 bank account in Italy, all ATM withdrawals will be free and unlimited in Italy and anywhere in the world, regardless of the currency.

What type of insurance is included with this premium account?

The N26 premium accounts comprise an insurance package that covers your trips abroad and your day-to-day activities. It includes: – Emergency medical coverage abroad for you, your spouse, and your children (also including dental and winter sports insurance) – Trip curtailment or cancelation insurance – Flight delay insurance and luggage delay or loss – Shared vehicles insurance (cars, bikes, scooters, and electric scooters)

Please read the Terms & Conditions for more information on the Allianz insurance package.

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 insurance do you get with N26 Metal?

Alongside the regular insurance package available with N26 premium accounts, N26 Metal also gives you mobile phone and rental car insurance.

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

No, you don't have to pay any additional fees. Mobile phone insurance is already included in your monthly N26 Metal membership fee.

What are the other benefits of an N26 Metal account?

N26 Metal also offers unlimited ATM withdrawals, as well as free card payments in foreign currencies worldwide. On top of this, your premium account gives you access to unique Experiences and offers, hand-picked for you.

How much does the N26 Metal bank account cost?

The N26 Metal account costs €16.90 per month, with a 1-year commitment period.