Account

N26 Metal Account or EuroBic 365 Account: which is better?

Are you looking for a digital account to call your own, but have doubts between EuroBic 365 or N26 Metal? So, check out everything about them and enjoy insurance, discounts, unlimited transfers and much more!

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Discover the best of current account options

conta Eurobic 365 ou Conta N26 Metal
EuroBic 365 Account or N26 Metal Account: which is better? Source: Pexels.

In doubt between the Eurobic 365 account and the N26 Metal account? Any decision must be made based on data, especially when financial. So, find out everything about the options!

Both are accounts with digital attributions. Therefore, they are managed via the internet, online, without having to leave your home. With this, they start off on the right foot, as they exude comfort and save time.

This is one of the main reasons why digital accounts in general have gained more space among the public, especially younger people. After all, who doesn't want the convenience of dealing with financial and bureaucratic issues in just a few clicks?

Now, consider if this is just a mere detail when we have all the other benefits of these accounts. And that's exactly what happens when we analyze the Eurobic 365 account and N26 Metal account!

After all, both have a series of benefits that shine to the eye. And, therefore, it can become confusing and even difficult to choose between one alternative or another. However, don't worry. Here, today, you will find everything about each of the options.

Continue reading and check out all the advantages and disadvantages of each of these alternatives below. So, choose wisely and based on essential data and information.

Logo EuroBic fundo vermelho

How to open an account at EuroBic 365?

Check here the step-by-step guide on how to open a EuroBic 365 account and guarantee access to a series of benefits.

conta N26 Metal

How to open an account at N26 Metal?

The N26 Metal account gives you access to insurance, as well as emergency medical coverage and unlimited transfers! Find out how to open your account!

EuroBic 365 digital accountN26 Metal digital account
Fees50 or 39 € €16.90 per month 
BenefitsAccess to personal accident insurance, access to a debit and credit card with no annual fee, possibility of obtaining up to 25% discount on Super Crédito Pessoal and Mortgage Credit commissionsTravel and life insurance, emergency medical coverage, up to 10 subaccounts to organize your finances, cell phone insurance, withdrawals worldwide, unlimited transfers and only charge exchange rates.

EuroBic 365 account

Logo EuroBic fundo vermelho e cinza
Find out more about the EuroBic 365 account. Source: Youtube EuroBic TV.

Firstly, get to know the EuroBic 365 account! It is a current account, which charges annual fees for its operation. But, on the other hand, it offers a series of other benefits, such as access to a debit and credit card, without additional fees, with the International Mastercard brand!

Thus, you can make transactions, purchases and expenses, as well as investments and other issues, in clicks, via your cell phone or computer. Likewise, you can operate your account in person, using your debit and credit card for purchases in any country in the world!

N26 Metal Account

conta N26 Metal
Find out more about the N26 Metal account. Source: N26.

The N26 Metal account is digital and, therefore, offers all the convenience of carrying out transactions in just a few clicks. Furthermore, it offers, like the previous alternative, a debit card made of metal and with the Mastercard International brand!

Despite charging annual fees, it has many advantages, as we will see below, the biggest highlights being insurance.

Advantages EuroBic 365 Account

First, let's see what are the main benefits that the Eurobic 365 account offers its customers:

  • Credit and debit card with no annual fee;
  • Fee exemption for up to 3 monthly transfers;
  • Possibility of discounts on annual fees, personal credit and home loan rates for those who have the account;
  • Personal accident insurance offers.

Advantages N26 Metal Account

On the other hand, the N26 Metal account offers the following benefits:

  • Online membership;
  • Open up to 10 subaccounts to organize your money;
  • Access a debit card with a Mastercard brand and international use;
  • Emergency medical coverage that covers you, your spouse, and your children (which also includes dental insurance and winter sports insurance;
  • Personalize your card, which is made of metal;
  • Trip reduction insurance or cancellation insurance;
  • Insurance against flight delays and baggage coverage or lost luggage;
  • Withdrawals of up to 2.5 thousand Euros per day and up to 20 thousand Euros monthly;
  • Bike, scooter and car sharing insurance;
  • Car rental and cell phone insurance;
  • Unlimited transfers and only exchange rate charges.

Disadvantages EuroBic 365 account

Still, it is impossible to decide between the Eurobic 365 account and the N26 Metal account without going through the negative points. After all, it is natural for there to be this counterpart from the bank. However, it is necessary to see whether or not the advantages outweigh the disadvantages.

So, let's start with the Eurobic 365 account. The following are negative points regarding it:

  • Despite having digital management and monitoring, your membership is personal, so you need to go to a branch of the institution to open an account;
  • Annual fee collection;
  • Exclusive for people residing in Portugal.

Disadvantages N26 Metal Account

On the other hand, don't forget to see the disadvantages of the N26 Metal account:

  • Exclusive account for those residing in some European countries, such as Portugal, therefore not available in Brazil;
  • At the moment, opening an account requires a waiting list, so it is not immediate;
  • It does not give access to credit cards, only debit cards.

EuroBic 365 account or N26 Metal digital account: Which one to choose?

Well, that requires some personal reflection. First, consider what you are looking for in a banking account and services and what the minimum requirements are. Then consider what she can't have, for example. This is a good starting point.

For example, consider that only Eurobic 365 comes with a credit card, although it requires credit analysis to do so. On the other hand, N26 Metal has several insurance policies available and has a much lower annual fee than Eurobic 365.

Also, consider that at the moment it is not possible to open an N26 Metal digital account, just join the waiting list. Therefore, consider these questions when choosing between the Eurobic 365 account or N26 Metal account! However, if you want to know another account option, check out N26 You.

Mão segurando cartão N26

How to open N26 You digital account?

Opening an N26 You account is a simple, fast and secure procedure. Learn step by step here!

About the author  /  Aline Augusto

My name is Aline Mesquita, I'm a writer here on the blog, where I write about finance in general, as well as other topics. I have been working with content creation for 10 years, with a postgraduate degree in Project Management, with expertise in SEO practices, in addition to studying finance, market trends and cryptocurrencies.

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