N26 Bank Metal Credit Card Review: Best 4 Whom?


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N26 Bank Metal Credit Card Review, Is it the Best Credit Card for Most Digital Nomads?

The N26 Bank Metal Credit Card review features various perks and benefits. Some of these include free worldwide ATM withdrawals, travel insurance, and a beautiful heavy metal card.

Sign up for N26 Metal today here.

The N26 Bank Metal Credit Card is an ultra-premium product that is designed to change the way banks are done in Europe and beyond. It comes with a price of 16.90/month. In addition to the aforementioned benefits, the card also comes with a variety of additional perks and insurance coverage.

Since I wrote my original review of the N26 Credit Card last year, I have been able to save thousands of dollars on various transactions and fees with the card. In addition to free foreign transactions and international ATM withdrawals, the card also comes with travel insurance.

It’s a simplified banking product that I never thought possible, and it has given me more peace of mind.

Although I have to admit that the N26 Bank Metal Credit Card is not perfect, most of what it does is really, really good.


What Is N26 Metal? And Why You Should Care

The N26 Metal was first introduced in December 2017. It was initially available as an upgrade for N26 You users, but it is now available to everyone. It is the first credit card in the world to support Near Field Communication (NFC) payments. This was a big deal for the company.

If you are a current N26 user, you can easily upgrade to the N26 Metal by simply going to the app and hitting the upgrade tab. If you are not a current user, you can sign up here. Once you have completed the process, your personalized N26 Metal card should arrive in around 5-10 business days.

If you are looking for ways to increase your wealth, then this review is for you. In addition to learning how to make 10% daily returns, you will also learn how to manage your money better.

N26 Metal Has Free ATM Withdrawals Worldwide

Through its partnership with TransferWise, N26 can offer free foreign currency withdrawals across the world. This means that you can get cash at the real exchange rate when you send and receive money internationally. This is the most accurate and favorable exchange rate that you can find anywhere. You can also get it at any of the thousands of international ATM machines that accept Mastercard.

One of the biggest advantages of the N26 Metal is its free foreign currency withdrawals. Before this, I had been paying around 5% for every transaction that I made using my other credit or debit cards. With the N26 Metal, I have been able to save an amazing amount of money.

Years ago, I didn't realize how much I was paying for currency exchange and ATM fees. Now, I am ashamed that I didn't make the switch earlier.

On the other hand, this image shows the recent transaction that I made using an N26 Metal in Bangkok. It shows the real exchange rate that I received from xe.com and the transaction that took place at 7:36 pm Thailand time. The closest historical exchange rate that I could find was 24 minutes after my transaction.

One of the biggest advantages of the N26 Metal is its ability to pay with the real exchange rate on every transaction. This means that it is a great option for international transactions that accept Mastercard.

N26 Metal Credit Card Benefits & Partner Offers

The N26 Metal also comes with various partner offers and exclusive benefits. These are some of the reasons why I highly recommend this credit card.

  • WeWork: 1 free day per month of co-working from any WeWork location around the world.
  • Hotels.com: 10% off hotel bookings.
  • IHG: 20%-30% off hotel bookings when you book at least 21 days in advance.
  • Tannico: 10% off your first three orders of wine, delivered to your home.
  • Outfittery: Save €30 on your order of your curated and stylish Outfittery Box.
  • Caya: 25% off your annual subscription to Caya, the physical-to-digital mail forwarder.
  • Zipjet: 10% off your order of €30+ from Zipjet, the laundry service that comes to you.
  • Home24: 10% off your order of €199 from Home24, one of the largest online furniture shops in Europe.
  • Helpling: 10% off all home cleaning services by Helpling.
  • Drivy: €25 off your first shared economy car rental with Drivy.
  • Lanieri: 25% off custom-tailored suits, shirts, jackets and pants made by Lanieri.


N26 Metal & WeWork Discounts

Your N26 Metal card is your ticket to WeWork locations like this one all over the world. – Weworks Coupons




close up of n26 bank metal credit card review

Features Of N26 Bank Card Application

Unlike other banks, N26's app is designed to be as user-friendly as possible. The company's dual focus on banking and technology makes it stand out from the crowd. There are a variety of features that you can use in the app.

Pay with Apple Pay & Google Pay.

Toggle on/off payments abroad.

Toggle on/off online transactions.

Toggle on/off ATM withdrawals.

Set daily payment limits (€0 to €5,000 with a monthly maximum of €20,000).

Set daily withdrawal limits (€0 to €2,500 with a monthly maximum of €20,000).

Instantly lock your card if it’s been lost or stolen.

Receive real-time transaction notifications.


You can also see all of your transactions in categories such as "Bars & Restaurants" and "Travel & Holidays." These are some of the features that you can use in the app.

Reset your PIN instantly.

File insurance claims.

Receive priority customer support (N26 Metal only).


In addition to these, there are also other features that you can use in the app. Some of these include Cash26, which is a free service that allows you to deposit or withdraw cash at thousands of retailers, INVEST26, which is a free service that allows you to invest your account balance, and MoneyBeam, which is a free service that lets you send money to your friends with just their email address.

Although N26 doesn't currently support Bitcoin, the company is working on adding this support in the future.

Travel, Medical & Purchase Insurance Coverage: N26 Metal Has That Too

Both N26 You and N26 Metal come with some pretty impressive insurance coverage. Here’s just some of what they’ll cover:

Medical expenses up to an unlimited amount.

Travel cancellation insurance up to €5,000 per trip.

Flight and luggage delay insurance up to €400.

Stolen cash insurance up to €500.

Stolen mobile phone insurance up to €300.

Extended warranty on purchases up to €500.

One of the most common types of insurance policies that are typically offered is medical insurance, which is very expensive. With N26, you can get this for just 16.90 a month, and it's alongside everything else that you have. In addition to this, they also provide coverage for flight delays and medical expenses for the first 90 days of your trip, which is very impressive. Most credit cards will cover up to 30 days after your purchase, so this is an amazing coverage period.

In addition to this, they also provide coverage for flight delays and medical expenses for the first 90 days of your trip, which is very impressive. This is compared to the policies that come with Revolut Metal.

Need To File An Insurance Claim With N26? Here Is How

To file a claim, log into the N26 app, go to My Account and select either N26 You or N26 Metal. Then you’ll find:

You can also submit a claim for various types of insurance, such as flight or luggage delay, travel cancellation, and stolen mobile phone.

Your account and contract information, including your N26 You or N26 Metal ID

The option to contact Allianz directly in the case of a medical emergency

In emergencies, you should have the following information ready:

The full address and telephone number of your current location

Names of all official contacts (doctors, hospitals, and/or police)

A concise description of the situation

Comparing N26, N26 You And N26 Metal

Build Chart

Note: N26 also offers N26 Business, an account designed for freelancers and small business owners.


N26 Bank Metal Fees

The fee structure of N26 is fairly dense, and it's called their Price List. This is eight pages long.

All N26 bank accounts are free.

N26 You costs €9.90/month, while N26 Metal costs €16.90/month.

You can easily withdraw foreign currency from any bank in the world with N26 You or N26 Metal. They also give free foreign currency to regular users.

CASH26 withdrawals and MoneyBeam transfers: Free for all users.

N26 Bank Metal Worth The Cost?

Based on a quantitative point, the amount of foreign currency that you can withdraw in a given month is a clear breaking point. With N26, you can easily withdraw 994 Euros.

N26 Metal saves money for everyone withdrawing €994 or more of a foreign currency in any given month.

For regular N26 users, the fee for foreign cash withdrawals is 1.7%. On the other hand, if you're a N26 Metal user, you don't pay any fee for foreign currency withdrawals, but you do pay 16.90 a month. This means that if we divide the fee by 1.7%, we get 994, which is the monthly breakeven point for N26 Metal.

Aside from the various features that come with N26 Metal, such as travel and medical insurance, it also comes with a lot of other factors that will affect your decision. For me, upgrading to N26 Metal is a no-brainer, as it comes with the same insurance policy that I would get with N26 You.

I couldn't be happier with N26 Metal due to its various features, such as the free foreign cash withdrawals and the app's ease of use. It also comes with a very impressive insurance policy. Having this card has made banking much easier, as it eliminates a lot of the problems that I had previously, such as dealing with vague and expensive travel and medical insurance policies.

 How To Apply Online For N26 Bank Metal

To sign up for N26 Metal, you just need to provide a valid passport or ID, your name, and an address that's within one of the company's supported European countries. As I write this, the list includes Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, Luxembourg, Slovakia, and Spain.

After you've signed up, you'll receive a free MasterCard in the mail, which comes in a sleek package. You don't need to use a promo code to get started with N26 Metal, as they've already been extinct for a long time. If you have any questions about the card or its various features, please comment below or contact the company's support team via its website or app.


N26 Bank Metal Card Design Features

The N26 Metal card is made of a rare and heavy metal, which gives it some serious power. The front of the card features the Mastercard logo engraved on it, while the name of the card has been moved to the back. This ensures that the front of the card is minimal and clean.


Here are some more photos of the N26 Metal card:

N26 MetalN26 Metal


N26 metal credit card

N96 Metal Credit Card Frequently Asked Questions

Where Can I Use My N26 Metal Card?

You can use N26 Metal and N26 You at any point of purchase, as it's accepted in almost any major credit card network. Additionally, you don't have to pay currency exchange fees when making purchases.

How Much Does N26 Metal Cost?

N26 Metal costs €16.90 per month. N26 You costs €9.90 per month.

What Colors Does N26 Metal Come In?

N26 Metal comes in three colors: Charcoal Black, Rose Quartz and Slate Grey.

Is N26 Metal Worth The €16.90 Monthly Fee?

Is it worth it if you use it frequently and can get value from its travel insurance? If you're planning on traveling frequently, then upgrading to N26 Metal is a good idea.

I’m Already An N26 You Customer. How Do I Upgrade From N26 You To N26 Metal?

Go to the N26 app and swipe right to upgrade from N26 You to N26 Metal. Your new card should arrive in around 5-10 business days. If you make purchases and travel arrangements with your old N26 You card, those will still be covered by N26 Metal. As soon as you upgrade to N26 Metal, you'll see that the company stops charging you for the previous month's fees. These are the screens that you'll see when you go to upgrade.

N26 Metal's minimum membership is one year, and it will automatically renew if you don't cancel it within 4 weeks. You can do this by going to the app and clicking on the "My Account" link.

How Do I Cancel My N26 Metal Membership?

You can also cancel your N26 Metal membership by going to the app and clicking on the "My Account" link. You should cancel at least four weeks before the end of your billing period to avoid getting charged for any additional transactions with N26 Metal.

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