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.

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.

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.

Travel insurance concept.

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.

Lifestyle insurance concept.
A hand holding a credit card.

Get Amazon Prime for one year with N26 Metal!

Your premium N26 Metal account is much more than a tool to manage your money. Open yours and get access to a special Amazon Prime offer right away—we’ll credit back your membership charge for one year! This promotion is valid for a limited time—don’t miss out.

Take advantage now

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.

Phone insurance.

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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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.

Go to 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, 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.

N26 Metal - Charcoal Black.

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?

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?

What does the pandemic coverage include?

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?