• Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control

    Go

    A graphic close-up of the front of a teal N26 Mastercard.
    Bank at home or on the go

    Metal

    A graphic close-up of the front of a black N26 Metal Mastercard.
    Make a statement
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control

    Business Go

    A graphic close-up of the front of a teal N26 Business card.
    Manage your business on the go

    Business Metal

    A graphic close-up of the front of a black N26 Business Metal card.
    Premium banking with cashback for your business
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    Features
    MastercardDigital wallets
  • Features
    SpacesGuide to interest rates
  • Highlights
    CRST-18128_PulseSoft_Travel benefits_Nav-highlight_140x140.
    Travel benefits Borderless banking
    A smiling man sits on the floor next to a backpack and looks at his smartphone.
    Travel Insurance Coverage for the unexpected
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
Log in
Log in
Open N26 Metal account

Company

  • About us

  • Leadership team

  • Investor Relations

  • Careers

  • Press

  • Inadempimenti ABF

Help

  • Customer Support

  • Sitemap

  • Complaints

  • Support Center

LEARN

  • Blog

  • Banking basics guide

  • Studies and research

MONEY TOOLS

  • Financial calculators

  • Budget calculator

  • 50-30-20 calculator

  • Interest calculator

  • Inflation calculator

  • Moving cost calculator

  • Festive budget calculator

More

  • Student bank account

  • Security

  • Refer a friend

  • Banking for expats

  • International money transfers

© N26 SE 2026
Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
CRST-18128_PulseSoft_Metal_LP1-Mobile-834x1194.

The bank account that has it all

Move beyond everyday banking with a metal card, extensive insurance coverage, and free ATM withdrawals worldwide.
Open N26 Metal account

Protect what matters most

Get global travel insurance for cancellations, emergencies, and delays. Plus smartphone coverage, and purchase protection — provided by Allianz Assistance.1
Learn more about insurance

First-class phone support

Contact our Customer Support team by phone, or chat with us 24/7 directly in the app.

Lounge access, unlocked

Skip the travel stress with access to over 1,300 airport lounges around the world.2 Your first visit each year is free with Metal.
Explore travel benefits

Stainless steel style

A metal card made from 16g of solid stainless steel — available in three matte shades to make you stand out.
A physical black N26 Metal Mastercard stands against a dark, brushed metallic background.
N26 homepage app.

Banking at its finest

Download the app and start using our best bank account in minutes.
Open N26 Metal account

1 Exclusions and restrictions apply. For more information, please see the N26 Metal Allianz Assistance Insurance Product Information Sheet and N26 Metal Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.

2 Airport lounge passes are available for purchase in the app. N26 has partnered with DragonPass to offer you airport lounge access.

Advertising message for promotional purposes.Please see the contractual documentation for more information in the Legal Documents Section.

FAQ

  • You must meet the following requirements to open an N26 Metal account:
    • Be over the age of 18
    • Live in an eligible country
    • Have your own smartphone
    • Not yet have an account with N26
    • Have a valid ID
    • Be able to verify yourself in one of our supported languages: English, French, German, Spanish, or Italian
    Find more information about opening an account here.
  • Once you've checked that you meet our basic requirements, just download the N26 app to open your account. Forget the paperwork — opening an N26 Metal account takes just a few minutes. All you need is a valid ID. Once we've verified your identity, your virtual Debit Mastercard is ready to use immediately.
  • The N26 Metal account costs €16.90 per month. For a complete description of the economic conditions applicable to N26 Standard, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
  • N26 Metal is a paid bank account designed for those who want a high level of financial flexibility and protection. Your time is also prioritized with access to a dedicated priority Customer Support line and one free airport lounge pass every year to make your travels more comfortable. Like our other paid plans, you’ll also have access to 10 Spaces sub-accounts. To top it all off, you’ll receive our signature stainless steel Debit Mastercard, available in Charcoal Black, Quartz Rose, or Slate Grey. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page. For a complete description of the economic conditions applicable to N26 Standard, please refer to the information sheet ‘N26 Bank Account’ and the information sheet ‘Services to the N26 Bank Account’.
  • The card you receive with your N26 Metal premium bank account is a Debit Mastercard. Some of its features are the same as those you get with a credit card, although there are a few key differences. You can pay online, in stores, and in apps with your Debit Mastercard, as well as withdraw cash from ATMs with no hidden fees. Forgot your card at home? Simply add your N26 card to Apple Pay or Google Pay and pay with your phone — that way, you’re always prepared. Your N26 Metal bank card comes in one of three distinct metallic shades: Charcoal Black, Quartz Rose, and Slate Grey. You'll receive a card number, expiration date, and CVC for your Debit Mastercard — just like you would with a credit card.
  • Your N26 Metal Mastercard includes unlimited fee-free ATM withdrawals in the eurozone. You’ll also get unlimited free withdrawals outside the Eurozone.
  • N26 Metal offers an extensive insurance package provided by Allianz Assistance. In addition to full travel coverage, this includes specialized protection for your smartphone against theft or accidental damage (up to €2,000) and purchase protection for eligible items bought with your card.
  • To find out more about the insurance benefits associated with your N26 Metal account please refer to the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. Customers with a German IBAN account in Italy can find more information here. Trip Cancellation
    Which events are covered?
    • Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
    • Individual quarantine and other events listed in the collective insurance agreement
    Travel Interruption
    Which events are covered? Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
    • Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
    Travel Delay
    Which events are covered?
    • Trip delayed due to covered reasons by at least two hours.
    Baggage and Baggage Delay
    Which events are covered?
    • Reimbursement in case of damage, theft or loss of items
    • Reimbursement for essential items purchased if luggage is delayed by more than four hours
    Identification Document Coverage
    Which events are covered?
    • Reimbursement in case of damage, theft or loss of travel documents
    Emergency medical/dental benefits abroad & Emergency transportation
    Which events are covered?
    • Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
    Personal Liability Mobile Telephone Accidental damage & theft
    Which events are covered?
    • Theft, accidental damage; high voltage (including lightning) damage
    Purchase Protection
    Which events are covered?
    • Theft; accidental damage to eligible goods for 12 months immediately after purchase
  • To find out more about the insurance benefits associated with your N26 Metal account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. - General exclusions apply to the whole policy and some benefit sections contains conditions specific to that section
    • Events occurring outside the validity dates indicated in the conditions for beneficiaries
    • Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
    • Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity
    • Damage of any kind caused intentionally by the beneficiary or with their complicity
    • An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad and Emergency Transportation sections.
    • Systemic (non-individual) epidemic/pandemic events
    • Claims arising due to pre-existing medical conditions
    • Violation of international sanctions, laws or regulations
    • The policy deductible that is applicable to claims made under some benefit sections
    • Financial limits apply to each benefit section
    • There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section
    • For purchase protection, objects with a minimum value below €100
    • For Mobile telephone accidental damage and theft, objects older than 2 years
  • Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations. Main exclusions
    • War (declared or undeclared) or acts of war
    • Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
    • Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
    • Intentional self-harm or attempt or comit suicide
    • Unstabilized illnesses or injuries that were diagnosed or treated
    • An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description
    • Local health situations, pollution, weather or climate events
    • Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description
    • Expenses incurred without the prior agreement of our assistance department
    • The cost of treatment or care not resulting from a medical emergency
    • The consumption of alcohol or drugs not medically prescribed
    • Participation in a professional or dangerous sport
    Main restriction
    • Trip cancellation:
      Deductible: €20 per beneficiary
    • Purchase protection:
      Deductible: €50 per claim, Depreciation: 10% every 6 months following the purchase date
    • Mobile phone: Purchase less than 2 years old, Depreciation: 10% every 6 months following the purchase date