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EU based digital bank N26 has chosen to stop operating in the UK in early February due the UK’s decision to leave the EU.
After launching in the UK in October 2018 with its basic account, the German challenger bank made its premium account – N26 Metal – available to British customers as of December 2018.
Thousands have been drawn in by N26’s basic account, with its slick app and fee-free spending abroad. Premium options offer a wider range of features in return for a monthly fee.
Here’s what you need to know about the N26 Metal card.
UK customers can sign up for N26, along with people in a host of other countries including Germany, Austria, Ireland, France, Spain, Italy, The Netherlands and Belgium.
N26 Metal is the digital bank’s most expensive premium product. In January 2019, the challenger also launched its intermediate premium product in the UK, N26 You. You can learn more about it by reading our review.
Likewise, only N26 Metal account members get N26’s comprehensive travel insurance. This covers foreign medical expenses, luggage protection, cash theft protection, delayed flights, mobile phone theft and purchase protection.
This last one means any items you buy with your N26 Metal card are covered if they’re stolen – or damaged as a result.
Black is cheaper than Metal – it costs £4.90 a month. In the UK, there are three features exclusive to N26 Metal that you won’t get with Black.
If you don’t, you’ll need to sign up to N26 before you can get the card. After downloading the app to your phone, you’ll have to do the following:
If you’ve signed up to a basic N26 account already, it will be easy to upgrade to metal in the app. Swipe right until you reach the upgrade tab next to your balance. Then choose your delivery method, the colour of your card (black, pink or grey), and accept the terms and conditions.
Finally, confirm your request by putting in your transfer PIN and N26 will send you your Metal card. Express delivery take 5 business days while standard takes up to 10 working days.
With its Metal option, N26 is targeting people who travel a lot (once a month or more). If you don’t, you’re unlikely to get good value for money from your subscription, as most of the benefits have to do with spending money outside the UK.
Having said this, the partner deals may also have something in it for you. For example, if you do use WeWork as a workspace from time to time, the N26 Metal card could be ideal. It lets you book a workspace anywhere in the world for one day a month. Other partner perks include 20%-30% off with hotels.com.
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