I completely understand why this seems to be somewhat of a gimmick for most people. I am planning to go travelling for 3-4 months, so for me, this is perfect, mainly because of the insurance package. Its pretty comprehensive and well priced, and being a 'world elite' mastercard, it has many more benefits than listed on the n26 website. I'm still waiting for mine to come, but I'm pretty excited. Their customer support is fairly lacking compared to revolut and starling in my opinion, but it certainly gets the job done. And yes Ok, the metal card is pretty cool, and may have swayed my opinion a bit! Also FYI, the reason I did not choose revolut is because their travel insurance is only valid for a trip of 40 days or under. And the N26 metal card is just so much cooler, lets face it!
Charlie Rockingham hahah no prob. As they say we are the best at fooling ourselves. Have a look at the comment thread with SkyFlow - there are no real “world elite” benefits you can get. If you want the insurance benefits, and want to really get value then I’d recommend the black card. Not metal.
Sure… to earn back the almost 200€ a year you spend on the subscription, you need around 5000€. So anything under 5000€ is a loss, meaning you only start earning on anything over that amount. 5100€ invested… you’re only really gaining anything on the 100€… peanuts. Or you pay 0€ a month and get 4% on Trade Republic. 🤷♂️
@@cenk82 oh, good catch. I hadn’t seen it’s limited to 50.000€ and you don’t earn interests over that… 😒 Also their card has a 1% cashback (Up to 15€ per month) lol…
N26 bank in Berlin - CRIMINAL - STAY AWAY FROM THIS BANK! I used this bank for four years, with nothing but praise for them BUT THEN ! N26 bank confirmed to me on 19th Oct, 2022 that they had closed my account and that I had no access to my funds. I had submitted a transfer instruction in favour of my bank in the UK, which they initially acknowledged but then they claimed that they had found irregularities in the account. This was false, as my funds had been deposited by my Lawyer in Spain following the sale of my property there which he completed, acting as my Power of Attorney, with all due taxes etc paid and the whole transaction had been endorsed by the European Court at The Hague. I have requested details from N26 of what irregularities they had purported to have found but they are unable to do so, which is hardly surprising. The fluctuation in the exchange rate since my initial instruction has added a loss to me of more than €1800 which I would expect them to cover plus other bank charges, where I have had to access loans to fill the gap. They're aware that I am 84 years of age and the worry, stress and lack of sleep that they have caused me has had a serious effect on my health. This should also be compensated for. I reported the facts to BaFin (the so-called regulatory authorities in Germany) on four separate occasions between October and when they eventually replied in June, they turned out to be a waste of time Is this state aided theft? There are hundreds with the same problem.
@@Festaurin If you want the insurance product offering then go for N26 black, but I'd recommend you do some calculations to decide if it makes sense. Metal is a gimmick. And Avoid N26 Invest, it's not a serious investment platform!
Well idk. Sure you get the insurances with black as well, but, if you are a person that likes shopping, you also get some selected offers at selected partners, which could be kinda cool, I assume? @@JanSapper
It does scratch, but has fared better than any other plastic card. I've even placed it on the outside of my pocket and it has its marks. Not a problem though. I must say I've kept the metal card because of telephone support - I want to be able to talk to someone if anything goes wrong.
@@thebizness5596 It’s not useless though. you basically pay more for the better service, and with that comes the fancy metal card. It’s an advantage you get, both service wise as physically receiving something. I’ve got the metal card too and if your lifestyle is fitting within the benefits you get with this more expensive plan, it isn’t near useless as you’d think. Coming back at the comment of the other guys, don’t waste your time on such people, they’re just saying dumb stuff.
@@Leonn1606 I’d be curious to know what features are really worth the 16€… after my year of using it, even the travel insurance benefits were iffy… I can’t remember specifically, but if you read precisely what conditions need to be met for travel insurance to kick in, it becomes super limited. If I recall it correctly - if your luggage is delayed, and you need to buy new items, they will only cover items with a cost over a minimum threshold per item.
I completely understand why this seems to be somewhat of a gimmick for most people. I am planning to go travelling for 3-4 months, so for me, this is perfect, mainly because of the insurance package. Its pretty comprehensive and well priced, and being a 'world elite' mastercard, it has many more benefits than listed on the n26 website. I'm still waiting for mine to come, but I'm pretty excited. Their customer support is fairly lacking compared to revolut and starling in my opinion, but it certainly gets the job done. And yes Ok, the metal card is pretty cool, and may have swayed my opinion a bit! Also FYI, the reason I did not choose revolut is because their travel insurance is only valid for a trip of 40 days or under. And the N26 metal card is just so much cooler, lets face it!
Charlie Rockingham hahah no prob. As they say we are the best at fooling ourselves. Have a look at the comment thread with SkyFlow - there are no real “world elite” benefits you can get.
If you want the insurance benefits, and want to really get value then I’d recommend the black card. Not metal.
P
B
Now it is not a gimmick because of the 4% interest alone.
Sure… to earn back the almost 200€ a year you spend on the subscription, you need around 5000€. So anything under 5000€ is a loss, meaning you only start earning on anything over that amount. 5100€ invested… you’re only really gaining anything on the 100€… peanuts.
Or you pay 0€ a month and get 4% on Trade Republic. 🤷♂️
@@JanSapperi have 100K but i can only get 4% interest for half of it in TR.
@@cenk82 oh, good catch. I hadn’t seen it’s limited to 50.000€ and you don’t earn interests over that… 😒 Also their card has a 1% cashback (Up to 15€ per month) lol…
Awesome that you wrote your opinion doesn`t matter what other people think or say. Keep it up. Cheers Mark
Just see it as a cool accessory 🤷
are you happy with the METAL account ? thinking about getting it but still not 100% sure
Thank you for the review. Does this card has a 16-digit number imprinted on it?
Yes, on the back.
N26 bank in Berlin - CRIMINAL - STAY AWAY FROM THIS BANK!
I used this bank for four years, with nothing but praise for them
BUT THEN !
N26 bank confirmed to me on 19th Oct, 2022 that they had closed my account and that I had no access to my funds. I had submitted a transfer instruction in favour of my bank in the UK, which they initially acknowledged but then they claimed that they had found irregularities in the account. This was false, as my funds had been deposited by my Lawyer in Spain following the sale of my property there which he completed, acting as my Power of Attorney, with all due taxes etc paid and the whole transaction had been endorsed by the European Court at The Hague. I have requested details from N26 of what irregularities they had purported to have found but they are unable to do so, which is hardly surprising. The fluctuation in the exchange rate since my initial instruction has added a loss to me of more than €1800 which I would expect them to cover plus other bank charges, where I have had to access loans to fill the gap. They're aware that I am 84 years of age and the worry, stress and lack of sleep that they have caused me has had a serious effect on my health. This should also be compensated for. I reported the facts to BaFin (the so-called regulatory authorities in Germany) on four separate occasions between October and when they eventually replied in June, they turned out to be a waste of time Is this state aided theft?
There are hundreds with the same problem.
Awesome.This color is free? Have taxes? Brazil is arrived.
How much did you have to pay for it? Do you have to have a special monthly payment plan to get the metal card?
Daniel Robert Prieto I signed a 1 year contract - 16,90€ a month. Until now I must say it’s just a gimmick and not worth it. Stick to the free option.
@@JanSapper Why is that? Insurance options for purchases sounds really great for me, to go for metal.
@@Festaurin If you want the insurance product offering then go for N26 black, but I'd recommend you do some calculations to decide if it makes sense. Metal is a gimmick. And Avoid N26 Invest, it's not a serious investment platform!
Well idk. Sure you get the insurances with black as well, but, if you are a person that likes shopping, you also get some selected offers at selected partners, which could be kinda cool, I assume? @@JanSapper
@@haroldfinch360 The "partner discounts" are more like token deals, not really something worth 17€ a month.
How much did you wait for it to arrive?
Mine was about 8 working days
Did the paint scratch or anything? Does it still look as good as it did when you first got it?
It does scratch, but has fared better than any other plastic card. I've even placed it on the outside of my pocket and it has its marks. Not a problem though.
I must say I've kept the metal card because of telephone support - I want to be able to talk to someone if anything goes wrong.
Jan Sapper It looks really cool, your right, plastic cards usually get many small scratches on them.
Ich hab eine Frage und zwar ich wohne in Österreich aber die IBAN ist DE
It’s made by master card it’s basically the. Apple card
Looks better and doesn't look that bad after 1 month of use
Looks like an unnecessary rip off
Unnecessary yes, ripoff no because they actually ship what they promise.
Maybe its very expensive to you because you are broke, but lot of people have cash :)
@@DonAlvaro14 I didn't know having a useless metal card means you're rich. Tell me more.
@@thebizness5596 It’s not useless though. you basically pay more for the better service, and with that comes the fancy metal card. It’s an advantage you get, both service wise as physically receiving something. I’ve got the metal card too and if your lifestyle is fitting within the benefits you get with this more expensive plan, it isn’t near useless as you’d think. Coming back at the comment of the other guys, don’t waste your time on such people, they’re just saying dumb stuff.
@@Leonn1606 I’d be curious to know what features are really worth the 16€… after my year of using it, even the travel insurance benefits were iffy… I can’t remember specifically, but if you read precisely what conditions need to be met for travel insurance to kick in, it becomes super limited. If I recall it correctly - if your luggage is delayed, and you need to buy new items, they will only cover items with a cost over a minimum threshold per item.
La copie parfaite de la carte métal black REVOLUT 😂
N26 is older than Revolut and also better