N26 Metal
Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals outside the eurozone.
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 outside the eurozone. The annual fee is €202.80. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Premium everyday use. Its strengths lie in travel and use abroad, included travel 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 | €202.80 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Mastercard |
| Issuer | N26 |
The annual fee is €202.80. You pay no surcharge abroad or in foreign currency. Cash withdrawals abroad are free of charge. In Germany, cash withdrawals cost €2 per withdrawal (8 withdrawals/month free). 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
Related guides: Rental car deposits with a credit card · Using a credit card abroad: how to avoid fees · Credit card travel insurance: what's covered
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Frequently asked questions
- What does the N26 Metal cost per year?
- The N26 Metal costs €202.80 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.