N26 Metal
N26 Metal is the premium tier, delivering a 18-gram stainless-steel Mastercard, comprehensive travel and purchase protection, and priority support for demanding users.
Why it ranks
- Standout premium steel card design
- Most complete N26 insurance package
- Priority customer service line
What holds it back
- Highest monthly fee in the N26 range
- No lounge access despite the premium positioning
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
N26 Metal is the premium tier, delivering a 18-gram stainless-steel Mastercard, comprehensive travel and purchase protection, and priority support for demanding users.
N26 Metal at a glance
| Issuer | N26 |
| Card network | Mastercard |
| Annual fee | €196 |
| Welcome bonus | Occasional promotional offers for new members |
| Rewards rate | Benefit-led, no points |
| Intro APR | Not applicable |
| Regular APR | Overdraft from approx. 8.9% p.a. (where granted) |
| Foreign transaction fee | 0% on foreign currency card payments |
| Credit needed | Standard identity and SCHUFA check |
| Best for | Power users who want premium service and protection |
| Airport lounge access | No |
Rewards & benefits
- Metal Mastercard with dedicated priority phone support
- Comprehensive travel, medical and purchase protection insurance
- Up to 8 free ATM withdrawals in euros per month
- Partner discounts and exclusive Metal member offers
Eligibility & who it suits
- Resident in Germany (or supported EU country)
- Valid government-issued ID for video verification
- Minimum age of 18
- Pass N26's identity and SCHUFA checks
How to apply
Check current rates on N26’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Germany cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | NN26Metal€196/yr · DE N26 MetalPower users who want premium service and protection |
€196/yr | Benefit-led, no points | Occasional promotional offers for new members | 0% on foreign currency car… | Standard identity and SCHUFA che… | |
| 2 | AEAmerican Express GermanyPlatinum€720/yr · DE American Express Platinum CardAffluent travellers who maximise premium perks |
€720/yr | 1 Membership Rewards point per euro spent | Up to tens of thousands of Membership Rewards points after s… | 2% on foreign currency pur… | Excellent SCHUFA, high regular i… |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.