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.
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 Personal 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 in 12 months for stolen or damaged eligible purchases bought with your N26 card
Emergencies when traveling
The N26 You policy provides cover for you, your spouse and children in case of a medical emergency abroad, including emergency 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 in 12 months for stolen or damaged eligible purchases bought with your N26 card
Personal liability while traveling
Coverage up to €500,000 for Personal 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, but losing your smartphone doesn't have to be a big deal. 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
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 CenterOrder 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.
Read moreYour 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.
*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.
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?
N26 premium accounts include:
- Travel delays
- Baggage delay
- Baggage coverage
- Emergencies while traveling
- Trip cancellation
- Trip interruption
- Personal liability insurance
To learn more about the Allianz Assistance package, please read the Terms and Conditions.
What extra insurance do you get with N26 Metal?
Alongside the insurance package available with N26 You, N26 Metal also gives you additional mobile phone and purchase protection 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.
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