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N26 Metal Account or N26 You Account: which is best?

Choosing between the N26 Metal or N26 You account is a difficult task. After all, both offer travel insurance, an app to manage your finances and much more! So, see their differences and discover the one that suits you best!

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Discover the best account among the N26 options

conta N26 Metal
See the comparison between the two accounts. Source: N26.

Firstly, choosing between the N26 Metal Account or the N26 You Account is a complicated task. Although they are financial services from the same financial institution, their characteristics and benefits are exclusive between the modalities. 

Since arriving on the market, this German financial institution has attracted more than five million customers. After all, with several exclusive advantages, many consumers decided to open an account with the company. 

Launched in 2013, N26 bank accounts are recommended for consumers looking for advantageous rates. In addition to being recommended for those who travel frequently, their credit cards are excellent for those who want to save money. 

There are several options for anyone who wants to open an account with a bank with these characteristics. So, if you are interested in choosing between the N26 Metal Account or the N26 You Account, check out a comparison table. 

Cartão N26

How to open an N26 Metal account?

The N26 Metal account gives you access to countless benefits! Find out how to open your account and still be entitled to up to 10 sub-accounts!

Mão segurando cartão N26

How to open an N26 You account?

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

N26 Metal AccountN26 You account
Fees€16.90/month€9.90/month
BenefitsFully Digital; 
Transparency and sending notifications in real time; Security control via app. 
Fully Digital; 
Transparency and sending notifications in real time; Security control via app. 

N26 You account 

cartao n26 you
Find out more about the N26 You account. Source: N26.

Currently, digital banks have gained prominence in the financial market, mainly due to their ease and practicality. This is because most of the options have functions that simplify users' lives, as they are carried out over the internet. 

The N26 You is the old N26 Black. After all, in addition to being a type of debit card, this is the intermediary type of the institution's financial products. However, it is worth noting that, to access the benefits, you must pay a fee of €9.90/month.

Before choosing between the N26 Metal Account or the N26 You Account, consumers should know their characteristics. In general terms, the You model is less advantageous than the Metal, but it is still an excellent option. 

You account customers have access to 5 withdrawals, in addition to the service being provided via the financial institution's official app. However, unlike Metal, this option does not have car insurance. 

N26 Metal Account

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

Now that you know the main characteristics of the You model, it is important to discover more about Metal. This is because, unlike the previous option, its characteristics and benefits are unique. 

So to choose between the N26 Metal Account or the N26 You Account, it is important to compare the modalities. The Metal modality is more complete than You, but to access the benefits you must pay a fee of €16.90/month.

In short, control of all operations is done via the internet. While the Metal modality offers up to 5 free withdrawals to its customers, the service is personalized and they have car insurance. 

Although they have these differences, this does not make one model better or worse than the other. After all, each one caters to a specific consumer profile, in addition to specific monthly fee amounts. 

Advantages of N26 You account 

To choose between the N26 Metal Account or the N26 You Account, consumers must know their main advantages. After all, just like any financial product, it is necessary to discover this information. Check out. 

  • Access to a Mastercard branded card with international coverage.
  • Travel insurance for Allianz.
  • Up to five free withdrawals in the eurozone.
  • Money transfers made easy by Wise. 
  • Access to exclusive discounts at partner establishments. 
  • Up to five colors on the physical card. 
  • All operations are done through the application. 

Advantages of N26 Metal account

Although the benefits of each bank account are similar, the advantages are specific to each modality. So, before choosing between the N26 Metal Account or the N26 You Account, check out their main benefits. 

  • Exchange rate at real rate.
  • Payments are free with no exchange fees.
  • Access to Travel Insurance.
  • Safe for winter sports.
  • Insurance for smartphone damage and theft.
  • Plus flight delay and baggage insurance.
  • And car rental insurance.
  • Operations carried out through the application. 

Disadvantages N26 You account 

Just like any financial product available on the market, the N26 You account has disadvantages. So knowing these characteristics is essential to decide whether or not you want to open an account with the financial institution. 

In general terms, the main disadvantage of the model is the fee of €9.90/month. However, if you are interested in all its advantages, this value is totally worth it. 

Disadvantages N26 Metal account

Before choosing between the N26 Metal Account or N26 You Account, consumers should compare the options. In this sense, one of the main pieces of information is, without a doubt, the disadvantages that each bank account has.

Among the main disadvantages we can mention paying a fee of €16.90 / month. However, if you are interested in all the advantages that the product has to offer, paying this fee is necessary and worth it. 

N26 Metal Account or N26 You Account: which one to choose?

conta N26 You
So, which account is the best? Source: N26.

Now that you know the main features of the N26 Metal Account or N26 You Account, it is easy to decide which is the best option. This is because, among all the financial products and services offered by the institution, consumers can choose the best model. 

The N26 Metal account is recommended for consumers looking for more advantages in a single financial service. However, to access these benefits, you must pay a fee of €16.90 per month.

On the other hand, even though the benefits of the N26 You account are less advantageous than Metal, it is still worth it. To access the benefits of this modality, you must pay a fee of €9.90 per month. 

It is worth mentioning that these financial products have not yet been launched nationally. However, if you live in Europe or the United States, it is extremely advantageous to open an account with this financial institution. 

If you are interested in opening an account with the financial institution, but live in Brazil, there is no reason to worry! After all, it is possible to register on the waiting list, as the services will be officially launched in the country.

However, if you've come this far and are still not sure of the best option for your financial life, how about finding out about another interesting alternative on the market? So, click the button below and discover more details about the EuroBic 365 digital account!

Logo EuroBic fundo vermelho

How to open your EuroBic 365 digital account?

Learn how to open your EuroBic 365 account and thus have access to a series of advantages, such as discounts, insurance and cards. Check out!

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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