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⚖ Add to comparisonN26 · Mastercard
N26 Metal
N26 Metal is worth it only over You if the extra cover and dedicated support matter to you, because the spending benefits are nearly identical. At around EUR 16.90 a month (roughly EUR 197/year as of 2026) you're paying about EUR 79 more than You for a heavier card, broader purchase protection and priority phone lines. Heavy travelers who claim insurance can justify that gap; a light spender who just wants free FX should drop down to free N26 Standard instead. Check the live fee and what each insurance tier actually covers on n26.com before upgrading.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Metal Mastercard paired with a priority phone line
- ✓Full insurance covering travel, medical costs and purchases
- ✓Euro ATM withdrawals free up to 8 times each month
- ✓Member-only deals and partner discounts for Metal holders
👍 Pros
- + Eye-catching premium steel card
- + The widest insurance bundle N26 offers
- + Customer service on a priority line
👎 Cons
- – Carries the steepest monthly fee across N26's cards
- – Premium billing but still no lounge access
Can you get it?
- ▸Live in Germany or another supported EU country
- ▸Government-issued ID for the video check
- ▸At least 18 years old
- ▸Clear N26's identity and SCHUFA checks
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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