How to cancel my N26 You (formerly Black) or N26 Metal membership?

N26 You or N26 Metal contracts have a minimum term of one year. This contract automatically renews for another year unless you cancel it.

In this article you will find the difference between revocation, cancellation of the membership and cancellation of the renewal of your membership. You have 3 options:

  1. Revoke your membership within the 14-day revocation period (or 30 days for UK customers)

  2. Cancel your membership at any time up to 1 month before your contract ends

  3. Stop your membership’s renewal up to 1 month before it expires

Find in details how to do so below.


You can revoke your membership for free within the 14-day revocation period (or 30 days for UK customers). In this case, please send an email to from your registered email address. We kindly ask you to clearly state that you want to revoke your membership and if applicable which account type you’d like to downgrade to.

Keep in mind that if you cancel your contract before it ends, you won’t be able to sign up for the same membership plan in the future.

Cancel your membership at any time*

If you want to terminate your membership at any time up to *1 month before your contract ends and after the 14-day revocation period, please contact us.

We’ll debit all remaining monthly fees right away so make sure you have enough in your account to cover them. If you choose this option all your N26 You or N26 Metal benefits will end, which includes your insurance coverage.

Stop the renewal of your membership

You have up to 4 weeks before your membership expires to cancel the renewal of your N26 You or N26 Metal membership. To do so:

  • Log into the mobile app and go to 👤 My Account

  • Select N26 You/Metal

  • Tap Cancel Membership (on Android) or N26 You/Metal ID (iOS) > Cancel Membership

    • you can also see your membership expiration date here

  • Confirm the cancellation via the push message we send you

You can continue to use your N26 You or N26 Metal Mastercard fully until your membership expires. That means you’ll keep your insurance coverage as long as you’re still required to pay your membership fee. After that, your Mastercard will work like a standard card without the benefits. We’ll send you a standard card before your contract ends. No need to contact us about it.

We’ll notify you of the renewal via email 8 weeks before your anniversary date.

If you want to definitely close your account, visit our article How to close my N26 account.