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N26 Debit card
N26 Metal
Cash back
MASTERCARD
Apply for N26 Metal

On N26's secure site

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Debit card N26 Mastercard

Card review

N26 Metal

4.3 4.3 out of 5 8.6/10 DebitCue Score Verified

Premium 16g stainless-steel Mastercard with comprehensive insurance and top savings rates

Fee
€16.9 EUR/mo (≈ $18)
Foreign fee
None
Rewards
Cash back
Rewards
1% cashback on card purchases made outside the EEA, Switzerland, and the UK

Our verdict

What stands out, and where it falls short.

What we like

  • 1% cashback on card purchases made outside the EEA,…
  • No foreign transaction fees
  • Airport lounge access
  • Travel insurance included

Worth weighing

  • €16.9 EUR/mo (≈ $18) card fee

Who It Is For

Whether the N26 Metal fits how you actually spend.

Pick it if you are

  • Frequent travelers
  • People who want rewards on their spending
  • Travelers who value airport lounges

Skip it if you are

  • Light spenders who won't beat the €16.9 EUR/mo (≈ $18) fee

Rates and fees

As of

All amounts shown in EUR.

Card fee
€16.9 EUR/mo (≈ $18)
Foreign transaction fee
None
Eurozone ATM withdrawals
8 free per month; €2 per additional withdrawal
Non-eurozone ATM withdrawals
Unlimited free in local currency
Savings interest (Instant Savings)
1.50% p.a. (from June 2025; select EU countries only)
Ready-made Funds management fee
0.29% per year (reduced vs Go)
Crypto trading fee
1% on Bitcoin, 2% on other crypto; up to €5,000/month

Rewards and features

Rewards
1% cashback on card purchases made outside the EEA, Switzerland, and the UK
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Card material
16g solid stainless steel; available in Charcoal Black, Quartz Rose, Slate Grey
Virtual cards
Up to 6 free virtual cards
Under-18 cards
Up to 5 child cards included free
Priority phone support
Dedicated priority support line included

Benefits and perks

Extras that come bundled with the card.

  • Allianz Assistance comprehensive travel insurance
    Trip cancellation up to €10,000, emergency medical up to €1,000,000, baggage up to €2,000, personal liability up to €500,000, travel delay up to €500
  • Smartphone insurance
    Up to €2,000 coverage for theft or accidental damage on devices under 2 years old
  • Purchase protection
    12-month coverage for theft or damage on eligible items (minimum €100 value); up to €2,500 per claim
  • One complimentary DragonPass lounge pass per year
    First visit free annually; additional passes at €30 each; 1,300+ lounges globally
  • No foreign transaction fee on card payments worldwide
    Zero markup on card purchases in any currency globally

N26 Metal: your questions answered

How much does the N26 Metal cost?
The N26 Metal costs €16.9 EUR/mo (≈ $18).
What rewards does the N26 Metal earn?
The N26 Metal earns 1% cashback on card purchases made outside the EEA, Switzerland, and the UK.
Does the N26 Metal charge foreign transaction fees?
No - the N26 Metal has no foreign transaction fees, so it suits spending abroad.
Is the N26 Metal a credit, debit or prepaid card?
The N26 Metal is a debit card issued by N26 on the Mastercard network.
Does the N26 Metal support Apple Pay and Google Pay?
Yes - the N26 Metal works with both Apple Pay and Google Pay.
Where can I get the N26 Metal?
The N26 Metal is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the N26 Metal?
DebitCue rates the N26 Metal 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the N26 Metal?
Use the Apply now button to continue on N26's secure site. Comparing and applying through DebitCue is free.

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