N26 Metal: Know everything about the Black Card of N26

I have questions about the use of N26’s standard bank card:

[N26] Maximum removal amount ?

I have questions about the use of N26’s standard bank card:

1. We are entitled to three free withdrawals/month. What is the maximum amount for each withdrawal ? Depending on the pages, I read € 200 and 1.000 € (1.050 €./week)

2. Are there distributors in Paris who do not impose this limit of three free withdrawals/months ?

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Albertowin

Regular contributor

I have questions about the use of N26’s standard bank card:

1. We are entitled to three free withdrawals/month. What is the maximum amount for each withdrawal ? Depending on the pages, I read € 200 and 1.000 € (1.050 €./week)

2. Are there distributors in Paris who do not impose this limit of three free withdrawals/months ?

1. It depends on the card and the amount available to the distributor (for example at the postal bank in my CNEST village 300 €)
2. No, it is the bank that does not charge the distributor ..

Winfried

Contributor

According to the chat boot (poetry), the daily ceiling for withdrawals to the distributor is indeed € 1,000, and the weekly ceiling of € 1,050, assuming of course that the DAB is sufficiently learned – in Paris, C ‘is easy anyway to find another.

N26 Metal: Know everything about the Black Card of N26

You are looking for a 100% mobile high -end card ? N26 Metal is the very high-end card marketed by N26, a black metal black card cut for the foreigner: free payment and withdrawals in currencies and travel insurance included, for a luxurious card with sleek design. Discover our guide dedicated to the N26 Metal card !

The N26 Metal card in short

N26 Metal
€ 16.90/month

• Travel insurance abroad and mountain + mobile insurance and car rental
• High-end metal card
• High-end metal card
• Unlimited currency withdrawals
• Payment abroad free of charge
• Complete insurance package
• Telephone line dedicated to metal customers
• Free and unlimited euro zone withdrawals
• Telephone customer service
• Partner offers

• No authorized overdraft
• Bank card with systematic authorization
• Only 8 free withdrawals in the euro zone
• No concierge service

�� The N26 Metal card in detail

Launched in 2018, the N26 Metal card East The highest-term card marketed by the neobanque N26. In stainless metal, this luxurious minimalist design card is available in 3 colors: coral sand, pearl and black carbon gray.

There N26 Metal card embark many attractive banking services as :

• Free payments and withdrawals abroad,
• An insurance package worthy of the most beautiful black card,
• Of the Exclusive partner offers

In addition to the chatbot and livechat, the Metal customers have access to a dedicated telephone line, Available 7 days a week in the event of a problem or a question.

On the account management side, we find Innnovative features, All controlled via the N26 mobile application, a latest cry highly appreciated by N26 Metal customers.

With N26 Metal, the neobank therefore offers a Ultra complete card to Premium Services, which will be perfect for daily use, but will also delight regular travelers or expatriates.

• The N26 Metal card in short
• A metal card stainless
• Immediate flow and systematic authorization
• Free payments and withdrawals abroad
• Package Premium insurance
• Innovative features: customizable ceilings, real -time balance, mobile payment and contactless
• Access to a dedicated telephone line To reach after -sales service

�� N26 Metal prices and ceilings

N26 Metal prices and ceilings in short

N26 Metal
€ 16.90/month

• SEPA transfer
• CB (3% costs, up to € 450 recharging)
• Apple Pay or Google Pay (3% costs, up to € 450 of recharge)
• Moneybeam

€ 20,000/ 30 days

✔️ up to 8 free withdrawals per month

There N26 Metal card is accessible from 16.90 € per month (202.80 €/year), an aligned rate with that of very high -end competing cards such as the Infinite visa or the World Elite Mastercard found in online banks.

The difference ? The N26 Metal card is without income conditions, a characteristic to underline as it is rare for this type of card !

Like all high-end card, The N26 Metal card allows you to enjoy Large withdrawal and payment ceilings. Count € 5,000 per day for withdrawals and € 2,500 per day for payments.

With the N26 Metal card, you can therefore spend without counting, or almost, since the card does not include no authorized overdraft.

On the side of current operations, We find freely everywhere everywhere : payments in euros and foreign currency, withdrawals in currencies, sepa or out -of -separate transfers, samples, etc.

Only shade on the board ? THE Withdrawals from free euros which remain limited to 8 operations per month (2 € per additional withdrawal). It’s a shame for a Premium card.

✈️ N26 Metal: What insurance bank card abroad ?

Again, the high-end card n26 metal Strike strong with a Ultra complete insurance cover. Luggage, transport, travel, car rental, telephone, everything is there !

N26 Metal thus offers widest insurance panel in its entire range of bank cards.

Insurance N26 Metal

N26 Metal
€ 16.90/month

Pay with your N26 Metal card to be covered to benefit from all your insurance guarantees, you must have paid for your purchases and reservations with the N26 Metal card.

�� Benefits and disadvantages of N26 Metal

• Travel insurance abroad and mountain + mobile insurance and car rental
• High-end metal card
• High-end metal card
• Unlimited currency withdrawals
• Payment abroad free of charge
• Complete insurance package
• Telephone line dedicated to metal customers
• Free and unlimited euro zone withdrawals
• Telephone customer service
• Partner offers

• No authorized overdraft
• Bank card with systematic authorization
• Only 8 free withdrawals in the euro zone
• No concierge service

here are the 3 main advantages of the N26 Metal offer ::

• Free payments and withdrawals in currencies : the N26 Metal card stands out as the ideal card for traveling around the world and allows customers to spend abroad without risking additional bank charges.
• Complete insurance coverage : Again, N26 Metal is intended for globetrotters with a wide panel of travel insurance but also insurance adapted to daily life such as mobility or telephone insurance.
• A dedicated telephone line 7 days a week : N26 Metal customers can easily contact N26 specialists if necessary, 7 days a week. A significant advantage when you know how difficult the after -sales service is difficult to reach.

If N26 Metal accumulates many advantages, we can also note a disadvantage to this very high-end offer:

• Limited euros withdrawals : If the withdrawals of currencies are free and unlimited, withdrawals in euros are limited to 8 free operations per month. Beyond, each withdrawal is billed € 2. A rather high price for a current operation, especially in the context of an offer from this range.

�� N26 you vs n26 metal: which offer to choose ?

N26 you
€ 9.90/month

N26 Metal
€ 16.90/month

✔️ Travel insurance abroad and in the mountains
✔️ Outside free and unlimited euro zone
✔️ Telephone customer service
✔️ In addition features: subcommittees, rounded to the euro
✔️ Partner offers

❌ No authorized overdraft
❌ Bank card with systematic authorization
❌ Only 5 free withdrawals in the euro zone

• Travel insurance abroad and mountain + mobile insurance and car rental
• High-end metal card
• High-end metal card
• Unlimited currency withdrawals
• Payment abroad free of charge
• Complete insurance package
• Telephone line dedicated to metal customers
• Free and unlimited euro zone withdrawals
• Telephone customer service
• Partner offers

• No authorized overdraft
• Bank card with systematic authorization
• Only 8 free withdrawals in the euro zone
• No concierge service

N26 you and n26 metal offers are very similar : free payments and withdrawals in currencies, medical coverage, travel insurance, telephone line to reach after -sales service, etc. So which offer to choose in the face of so many similarities ?

First of all, The price differs ::

The offer N26 you is available at € 9.90/month while the N26 Metal offer is € 16.90/month. A big price difference which is first explained by the quality of the bank card provided. On the one hand a conventional plastic card, on the other a high-end stainless metal card.

There insurance cover stands out on a few points: N26 Metal has car rental insurance and telephone that has not n26 you.

Finally, N26 Metal offers its customers to enjoy a dedicated telephone line and access to exclusive events and advantages.

N26 you or metal assessment ? N26 You will therefore be more suited to small wallets Who are looking for a simple but complete banking offer, while N26 Metal will appeal to customers looking for a pretty blue card and ultra premium services, while enjoying a sharp and ergonomic mobile application.

To discover also:

�� N26 Metal: expert opinion and customer reviews

N26 Metal is a high quality banking offer, which allows its customers to take advantage of the best banking services to less than 20 euros per month. This ultra high-end offer will be suitable for regular travelers, by its free foreign currency operations and its insurance coverage which allows them to be covered in the 4 corners of the world.

If you are looking for premium services, N26 Metal will also be able to seduce you since the card allows access to a dedicated telephone line accessible 7 days a week, as well as a Large panel of exclusive partner offers (Hotel discounts, sports halls, shopping, etc.)).

Choosing the right banking offer before choosing an offer, do not forget to take stock of your needs in terms of banking services. If you are looking for a secondary card, it might be wise to turn to a cheaper offer like N26 You which has practically the same features for a more affordable price, or even N26 Smart, an offer within 5 euros that will suit basic bank use.

N26 customers are, for the most part, Very satisfied with the neobank services. N26 collects an average of 3.8/5 on the Trustpilot opinion site, with a majority of positive reviews ! N26 Metal customers appreciate the simple and easy account opening, and highlight the quality of the mobile application as well as the responsiveness of customer service.

Customer for over 3 years with a metal card account and never had any problem. Top, fast hotline app and available. It is so much easier with this bank than for nothing in the world I would not change.

Trustpilot reviews – 08/19/2021

The most unhappy expresses dysfunctions on the customer service side: too slow LiveChat, problem of sending a bank card, sometimes ineffective advisers, etc. Like many neobank, N26 still has work to improve the quality of its customer service and fully satisfy its users.

Customer service not up to the task, runs the questions, always answer in general and without any particular help. Very slow cat and quality of service not up to a metal card at € 17 per month !

Trustpilot reviews – 07/25/19

�� How to open a N26 Metal account ?

Like all neobancs, N26 focuses on a simple and fast account opening. Here is the procedure for Open a N26 Metal account ::

Steps	Details
1️⃣ Visit the N26 website	Click on “Open a bank account”
2️⃣ Follow the instructions	Fill the different fields requested
3️⃣ Choose the desired account type	Click on “N26 Metal”
4️⃣ Validate your email address	By clicking on the link sent to your mailbox
5️⃣ Download the N26 mobile application	Available on Android and iOS
6️⃣ Check your identity	Send your valid identity document and/or make a Visio call with an N26 advisor
7️⃣ perform the 1st payment on your N26 account	Via a free separate transfer to validate the opening of your account

• Eligibility conditions N26
• Be at least 18 years old
• Do not have a N26 account
• Be permanent resident of one of the countries where N26 is present
• Have a valid identity document

�� FAQ: card N26 METAL

What are the advantages of N26 ?

Opening an N26 account has many advantages:

• Offers bank account without income condition ;
• A Free bank card offer (Standard N26);
• A intuitive and functional mobile app ;
• Of the reduced costs, or even free on current operations on the 4 N26 account offers;
• Of the Attractive rates on the use of the N26 card abroad : 0 € on all withdrawal costs/payments abroad on N26 You and N26 Metal offers;
• There Securing bank deposits (N26 has a European banking license).

How to subscribe to an N26 offer ?

To subscribe to an N26 offer, you must go to the N26 website, click on “Open a bank account” then follow the instructions. Fill out the requested information, choose your account type then validate your email address. You will then have to validate your identity and download the N26 mobile application.

How to place species on a N26 account ?

It is not, for the moment, not possible to deposit species on an N26 account. However, you can feed your account by SEPA transfer, credit card or debit, or by instant transfer.

How to join N26 ?

To reach N26, several solutions are available to you:

• Use LiveChat via your customer account
• Join a telephone advisor (for N26 Smart, You and Metal offers)
• Use the FAQ on the N26 website

Cams of N26 cards: amounts of withdrawals and payments

Whatever offer you subscribe to the Noébanque N26, you will benefit from a current account and a bank card. For those who wonder what are the Ceiling for card N26, You will be able to discover the complete guide of amounts for payments, withdrawals, transfers, in France as abroad.

The German neobank which has more than 2 million customers in France offers both daily and monthly ceilings for all of its cards. As a reminder, it is possible to choose a free card or one of the three premium cards between smart, you and metal. Let’s go back without further detail of the ceilings and amounts limits not to be exceeded in N26.

N26: Daily and monthly ceiling

Between the free offer N26 and the premium offers N26 Smart, N26 You and N26 Metal, the payment and withdrawal ceiling is exactly the same. You should know that online bank first set a first rule which makes it possible to control the level of risk: customers do not have the right to have an overdraft, and, because the bank cards are all systematic authorization, it is not possible to spend more than its balance.

Beyond this rule, which avoids any risk of going into the red, N26 has set daily and monthly ceilings by default for withdrawals and payments. As you will be able to see, the ceiling for the N26 card is quite high and it can scare certain users. It is for this reason that the neo-banque allows its customers to fix the payment and withdrawal ceiling themselves from the mobile application (section “your card parameters”)).

Daily ceiling for card N26:

• € 2,500 for distributor withdrawals
• € 5,000 in store or online payments

Monthly ceiling for the N26 card:

• € 10,000 in distributor withdrawals
• € 20,000 in store or online payments

While most traditional banks and online banks allow overdraft to their customers (which also allows them to reach various agios and intervention commissions), N26 has chosen to offer maximum security to its users at all levels. Thus, they will have no surprises or hidden costs thanks to their card which refuses any payment that would lead you in the red. Superb safety.

Note also that all withdrawals are not free at N26. This leads to another type of ceilings, which could be called “free ceilings”. On this point, the policy differs according to your chosen N26 card formula. For more information, go to our page linked to N26 cash withdrawals.

Transfers N26: the details of the ceilings

As you have probably understood, it is not possible to credit species to an N26 account. In other words, in France, everything is done by bank transfer system (in Germany, Austria and Italy, the cash26 solution makes it possible to deposit cash in partners). Again, to ensure the safety of its users, N26 fixes a daily ceiling on transfers.

Daily ceiling for transfers:

• € 50,000 for outgoing transfers
• unlimited for incoming transfers
• € 1,000 via moneybeam for N26 users
• € 100 via Moneybeam for customers from other banks

In other words, you have no problem doing on incoming transfers since N26 has no ceiling. For outgoing transfers, it is limited to € 50,000 per day. For those who are familiar with the Moneybeam payment solution (send money to his contact book contacts without knowing their bank details), N26 has set a certain number of daily limits which are however high enough. Unlike the withdrawal and payment ceiling, the customer cannot personalize the ceiling for transfers at N26.

With all these limits and safety solutions, N26 thus makes it possible to avoid any risk of fraud maximum. However, neo-banque does not seek to block its users since they can all customize the withdrawal and payment ceiling. To find out more about the full offer of the mobile bank, you can find all the details directly on its official website.