N26 Metal: The premium account with a unique design metal card

 N26 Metal Card comes with features and services that make your everyday work and travel smoother.

It ensures everything you need while traveling. N26 Metal offers the same packages as N26 You, including a travel insurance package, theft and damage coverage, and medical and dental emergencies for up to €1,000,000 during trips. This offer applies to both you and your family. Beside those,

  • You can also enjoy free ATM withdrawals and card payments worldwide in any currency, with eight free ATM withdrawals in the Eurozone.
  • N26 Metal also offers up to 10 Spaces sub-accounts and discount offers from N26 partners.
  • You will also get an exclusive discount on N26 crypto trading fees with your metal account.
  • It covers up to €10,000 for stolen or damaged eligible purchases bought with your N26 card and up to €500,000 for travel liability in case you are legally liable for damaging a third party or their property during a trip.
  • While traveling or in an emergency, you may need a quick answer or urgent technical support. N26 has a dedicated customer support team that answers all your queries via phone, chat, or directly in the app. Besides providing all the facilities for travelers, N26 also ensures hassle-free travel. You can get an extra card by making a one-time payment of €10.
  • You can buy crypto for only €1 to get started. Standard transaction fees for Bitcoin are 1,5% and 2,5% for other coins.

If you are a N26 Metal Card business user, you will get 0.5% cashback on every purchase you make with this card, whereas other N26 business accounts offer 0.1% cashback. Freelancers can enjoy different partner deals and manage all their business expenses in one place.




You can have premium banking facilities with this premium digital bank account for N26. No paperwork is needed to open an account; just visit their website, and by sitting at home for just 10 minutes, you can open an  N26 Metal Card account. However, some prerequisites must be met to open an N26 Metal personal account. Those are:

  • Must be 18 years old;
  • Be a resident of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Latvia, Lichtenstein, Lithuania, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland;
  • Having a smartphone;
  • Don’t already have an existing N26 account;
  • Have a supported ID document based on your nationality;
  • You can verify yourself in supported languages: English, German, Spanish, Italian, or French.

The N26 Business Metal account is designed for those who are in the freelance profession or self-employed. If you want to open an N26 Metal Business account, there are some changes in requirements. Those are:

  • Enrolled in a freelance profession or self-employed;
  • Can only use the account for business purposes.

If your submitted documents are not currently supported, it means you are not able to open an account at this time. N26 is always adding new documents to this list, so keep checking back to see if yours has been added. You are eligible to open an N26 Standard account only if you meet those criteria.

About the bank

Europe’s first mobile bank, N26, was founded in 2013 by Valentin Stalf and Maximilian Tayenthal. The headquarters is in Berlin, and key locations across 10 countries have more than 1500 team members. N26 provides all its services online with its app. 

N26 becomes the largest-ever financing round for a European digital bank after receiving a fresh $900 million in funding in 2021. After receiving the funding, N26 became Germany’s highest-valued fintech. N26 Standard, N26 Smart, N26 You, and N26 Metal are the four different products N26 has. It also offers crypto investments and some insurance.

Presently, the company has 8+ million registered users in 24 countries, and the app has a 300,000+ 5-star rating.

Who is this card for

N26 Metal Card is the most premium account offered by N26. Anyone who wants premium service and a premium-looking card can have an N26 Metal account. Especially for travelers, the N26 premium will be the best option, as it is designed with numerous benefits for travelers.

Those who are freelancing professionals should also have an N26 Metal account because it offers 0.5% cash back on every payment made with that card and an exclusive discount on N26 Crypto trading fees. Check out other N26 cards (Standard, You, Smart).


Step by step to apply for the N26 Metal Card

It will take you less than 10 minutes to open an N26 account, as it is 100% digital. You can open an account by visiting their website or downloading their Android or iOS app.

  1. Confirm your information: At first, you need to confirm your email, personal details, and shipping address.
  2. Choose account type: N26 offers accounts for personal and business use. You need to select your account type at this stage.
  3. Pair device: You will need to pair your smartphone when you create an N26 account. If you get a new device, you will need to make a pair again. 
  4. Prove identity: N26 is responsible for knowing its customers, as it holds a license. N26 only accepts national IDs and passports for identity verification. You can verify yourself by submitting a clear image using your selfie camera and a video where you are the only person. The requirement for supported ID documents varies based on nationalities.
  5. Apply for a physical card: If you want a physical card, you can apply in this step. After a few days of applying, you will receive your N26 Mastercard by post.

So, you can open any of the N26 bank accounts by following those steps. For any queries, their customer support experts are available from 7:00 to 23:00 every day, including Sundays and public holidays.

Positives and negatives of the N26 Metal Card

As a premium card, N26 Metal has a lot more benefits than other accounts. Those are:

  • Unlimited free cash withdrawals;
  • Unlimited free card payments worldwide;
  • Travel Insurance;
  • 18-gram metallic card.

But there are negative sides as well. Those are:

  • Does not include access to airport lounges;
  • A monthly fee is €16.90;
  • Limited availability in European countries.

N26 Metal is the most premium-looking card, with premium services as well. It ensures all your day-to-day needs.

Rates and fees

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

Contact details

Office: Kurfürstenstraße 72, 10787, Berlin, Germany. More Details

Phone: +44 2035 107126 or +49 303 6428 6881

Email: [email protected]

Web Support:

Support Chat:


Social Media: Facebook, Twitter. Linkedin, Instagram


The N26 Metal card comes with additional benefits, such as exclusive partner offers and 8 free ATM withdrawals in the Eurozone. N28 Metal business users will get 0.5% cashback on card payments.

The unique design of the metal card and the extra facilities make the N26 Metal a premium card and different from others.