What insurance comes with N26 You and N26 Metal?

N26 You and N26 Metal comes with an impressive travel and medical insurance plan to keep you safe and secure on the road. It's not quite as comprehensive as the SafetyWing insurance plan, which we highly recommend combining with your N26 membership, but it does cover a lot:

• Medical expenses up to an unlimited amount if you have a medical emergency while abroad (No deductible).
• Emergency dental expenses up to a maximum of €250 (No deductible).
• Expenses you incur due to a flight delay of 4 hours or longer, up to a maximum of €400 (No deductible).
• Expenses you incur if your luggage arrives more than 6 hours late, up to a maximum of €400 (No deductible).
• Reimbursement for a stolen mobile phone that was purchased with your N26 Black account, up to a maximum of €300 (€50 deductible).
• Reimbursement for stolen cash if you get mugged up to 4 hours after withdrawing cash from an ATM with your N26 Black card, up to a maximum of €500 (No deductible).
• Extended warranty of up to one additional year on items purchased directly with your N26 Black card and all payment methods associated with your card, such as a linked PayPal account, up to a maximum of €500 (€50 deductible).
• Travel cancellation insurance on every trip before the trip commences, up to a maximum of €5,000 per trip (10-20% deductible).

How much does N26 cost?

N26’s fee structure is eight pages long and pretty dense, so here’s the important stuff:

1. All N26 bank accounts are free.
2. N26 Black costs €9.90/month, while N26 Metal costs €16.90/month.
3. Withdrawing foreign currency (any currency but Euros) anywhere in the world: Free for N26 Black and N26 Metal members, or 1.7% for N26 users on the free plan.

N26 Metal

N26 Metal includes all of the benefits of N26 Black listed above, plus dedicated (priority) customer support and, of course, the metal card itself. I recently wrote a 2,000-word N26 Metal review that goes deep into N26's super-premium card.

N26 Metal also comes with a growing number of exclusive partner offers and benefits, which rival the benefits of much more expensive premium credit cards like the American Express Platinum. These benefits include:

• 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 a stylish and curated 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.
• Babbel: An additional 3 months of free language learning when you sign up for a 3-month language learning pack with Babbel.
• Urban Sports Club: €10 off your membership to Urban Sports Club, the gym that knows no boundaries.

N26 Metal currently costs €16.90/month.

Sign up for N26 Metal here.

How To Sign Up For N26

With its impressive insurance policy, fee-free foreign cash withdrawals, and the app’s ease of use, I really couldn’t be happier as a member of N26 You.

It’s made banking a lot easier and cheaper for me, and has solved a lot of the messy problems I had before (ie. expensive and vague travel/medical insurance policies, plus spending nearly $100/month on hidden ATM and currency exchange fees).

And you don't even need an N26 promo code to get started (Spoiler: N26 promo codes have gone extinct).

To sign up, you just need to provide standard personal information (name, date of birth, etc.) and a valid ID or passport.

Once you’ve signed up, verified your ID in the app and paired your smartphone (it takes 8 minutes total), they’ll send you your free MasterCard in the mail. Mine took just 2 days to arrive, and it comes in a pretty sleek package.

Comment below if you have questions about N26 and I’ll do what I can to answer them, or you can also reach N26’s support team via their app or website.