N26 Metal card - a Gimmick? Unboxing and first Impressions

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  • Опубліковано 21 сер 2024
  • You want to try out N26? Head out to n26.com/r/jans... to set up an account and give it a go. The bank account is definitely worth it!
  • Наука та технологія

КОМЕНТАРІ • 44

  • @charlierockingham5263
    @charlierockingham5263 5 років тому +14

    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!

    • @JanSapper
      @JanSapper  5 років тому +2

      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.

    • @ebsmifus
      @ebsmifus 3 роки тому

      P
      B

  • @ShutterKnack
    @ShutterKnack 4 місяці тому +1

    Now it is not a gimmick because of the 4% interest alone.

    • @JanSapper
      @JanSapper  4 місяці тому

      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
      @cenk82 3 місяці тому

      @@JanSapperi have 100K but i can only get 4% interest for half of it in TR.

    • @JanSapper
      @JanSapper  3 місяці тому +1

      @@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…

  • @MarkDeu
    @MarkDeu 3 роки тому +1

    Awesome that you wrote your opinion doesn`t matter what other people think or say. Keep it up. Cheers Mark

  • @Caeerus
    @Caeerus 5 років тому +5

    Just see it as a cool accessory 🤷

  • @Damjan25
    @Damjan25 2 роки тому +1

    are you happy with the METAL account ? thinking about getting it but still not 100% sure

  • @gourabsahu4913
    @gourabsahu4913 Рік тому +2

    Thank you for the review. Does this card has a 16-digit number imprinted on it?

    • @JanSapper
      @JanSapper  Рік тому +1

      Yes, on the back.

    • @lesdancey7281
      @lesdancey7281 Рік тому

      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.

  • @dayanearaujo5865
    @dayanearaujo5865 2 роки тому

    Awesome.This color is free? Have taxes? Brazil is arrived.

  • @oiausdlkasuldhflaksjdhoiausydo
    @oiausdlkasuldhflaksjdhoiausydo 5 років тому +7

    How much did you have to pay for it? Do you have to have a special monthly payment plan to get the metal card?

    • @JanSapper
      @JanSapper  5 років тому +4

      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.

    • @Festaurin
      @Festaurin 5 років тому +2

      @@JanSapper Why is that? Insurance options for purchases sounds really great for me, to go for metal.

    • @JanSapper
      @JanSapper  5 років тому +5

      @@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!

    • @haroldfinch360
      @haroldfinch360 5 років тому

      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

    • @JanSapper
      @JanSapper  5 років тому +1

      @@haroldfinch360 The "partner discounts" are more like token deals, not really something worth 17€ a month.

  • @isty2143
    @isty2143 4 роки тому +3

    How much did you wait for it to arrive?

    • @JakTalkThai
      @JakTalkThai 2 місяці тому

      Mine was about 8 working days

  • @jessicahao3185
    @jessicahao3185 4 роки тому +1

    Did the paint scratch or anything? Does it still look as good as it did when you first got it?

    • @JanSapper
      @JanSapper  4 роки тому +2

      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.

    • @jessicahao3185
      @jessicahao3185 4 роки тому

      Jan Sapper It looks really cool, your right, plastic cards usually get many small scratches on them.

  • @jennywang2346
    @jennywang2346 2 роки тому

    Ich hab eine Frage und zwar ich wohne in Österreich aber die IBAN ist DE

  • @imdadurrahman8662
    @imdadurrahman8662 5 років тому +1

    It’s made by master card it’s basically the. Apple card

    • @Philip-kc2et
      @Philip-kc2et 4 роки тому

      Looks better and doesn't look that bad after 1 month of use

  • @thebizness5596
    @thebizness5596 5 років тому +4

    Looks like an unnecessary rip off

    • @JanSapper
      @JanSapper  5 років тому +10

      Unnecessary yes, ripoff no because they actually ship what they promise.

    • @DonAlvaro14
      @DonAlvaro14 2 роки тому +1

      Maybe its very expensive to you because you are broke, but lot of people have cash :)

    • @thebizness5596
      @thebizness5596 2 роки тому

      @@DonAlvaro14 I didn't know having a useless metal card means you're rich. Tell me more.

    • @Leonn1606
      @Leonn1606 Рік тому

      @@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.

    • @JanSapper
      @JanSapper  4 місяці тому

      @@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.

  • @TV-uz2hy
    @TV-uz2hy 4 роки тому

    La copie parfaite de la carte métal black REVOLUT 😂

    • @Bogdan-XXX
      @Bogdan-XXX 7 місяців тому

      N26 is older than Revolut and also better