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How do I upgrade to Metal?

(applies to Germany, Austria, France, and Italy only)

If you have an N26 bank account or are a N26 Black member already, you’re able to upgrade to N26 Metal in the app: swipe right until you reach the Upgrade tab next to your current balance.

After choosing your preferred delivery method and accepting the N26 Metal T&Cs, you’ll have to confirm your request by entering your transfer PIN. Then your new card will be on the way.

  • Standard deliveries take up to 10 business days whereas express deliveries take 5 business days.
  • The membership fee of €16,90 will be deducted directly from your account every month on the date of your upgrade.
  • The minimum contract period for the N26 Metal membership is one year. Your membership will automatically renew unless you cancel it up to four weeks before the contract ends.
  • All purchases and travel booked using your N26 Black Mastercard will remain insured.
  • If you’re already a N26 Black member, you don’t have to pay the fees for the N26 Black membership on top.

Want to tell your friends about us and earn some money? Get €15 for each friend that you successfully refer to N26. Learn more about our Refer a Friend Program.

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