N26 Metal
Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals.
Score: 7.3 / 10 · Good
Rating: 8.0 / 10 · 1.450 reviews
Best for: Premium everyday use
Overview
The N26 Metal is a debit card from N26 on the Mastercard network. Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals. The annual fee is €202.8 and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to premium everyday use. Its strengths lie in travel and use abroad, travellers who need insurance and mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 7.3 / 10 · Good
| Costs (30 %) | 1.8 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 10.0 / 10 |
| Community signal (12 %) | 8.1 / 10 |
Highlights
- Stainless steel card with German IBAN
- First lounge visit per year free
- Unlimited free withdrawals outside the eurozone
- Comprehensive travel insurance package
Costs & Fees
| Annual fee | 202,8 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Mastercard |
| Issuer | N26 |
The annual fee is €202.8. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Travel Credit Cards · Gold & Platinum Credit Cards · Debit Credit Cards · Credit Cards With Insurance
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Frequently asked questions
- What does the N26 Metal cost per year?
- The N26 Metal costs €202.8 per year.
- Does the N26 Metal charge foreign currency fees?
- No. With the N26 Metal you pay no foreign currency fee worldwide.
- Is the N26 Metal a genuine credit card?
- The N26 Metal is a debit card — transactions are debited directly from your account.
- Does the N26 Metal include travel insurance?
- Yes, the N26 Metal includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the N26 Metal require a SCHUFA check?
- Yes, N26 runs a SCHUFA credit check for the N26 Metal; a negative SCHUFA record can lead to rejection.
- How is money on the N26 Metal protected?
- Statutory deposit guarantee Germany (Entschädigungseinrichtung deutscher Banken GmbH, EdB), up to €100,000. No voluntary BdB fund membership.