N26 for Travel: The Card with Travel Insurance Included

During my 5 years of traveling experience I have tried many travel cards, of which I have chosen Wise, Revolut and N26. I travel everywhere with them, but in this article I will tell you in detail why N26 is so good for traveling and how you can get the most out of it. Specifically, I'm going to tell you about the You and Metal plans including travel insurance in partnership with Allianz.

If you spend more time exploring than you do at home, the N26 card is the perfect ally. The mobile bank account not only allows you to manage your money from anywhere in the world, but also offers multiple benefits designed to make your trip much easier and safer. In a few moments we'll talk about what you're really interested in: the fees for currency exchange, cash withdrawals and travel insurance.

N26 offers different plans, each with different benefits depending on your travel needs and budget. The main plans include the free account, N26 You and N26 Metal, which offer distinct advantages for travelers.

N26 You and Metal plans include free travel insurance for up to a maximum of 3 months, a coverage that represents an added value for any frequent traveler. This insurance is in collaboration with Allianzwhich guarantees you a worldwide quality of coverage, even in the case of medical emergencies, trip cancellations and baggage delays. For those of us who have been traveling for a long time, coverage for unforeseen events is an undeniable plus that helps to travel without worries. This is the main reason why I switched from the standard account to the metal plan. It literally saves you from taking out private travel insurance for your trip.

The Allianz insurance included in the N26 plans is one of the highlights. It covers a wide range of situations, such as:

• Flight and baggage delays.
• Medical expenses abroad.
• Cancellation and change of plans due to illness.

If you want to know more details about the exact amounts covered in each section, visit this article from the official website for full details.

In addition, if you choose the Metal plan, they offer mobile coverageprotecting against theft and accidental damage, something very practical when your phone is one of the most important tools on the road. In my case, this is especially useful because I have an iPhone, and insuring my phone individually would cost me around 15 per month with apple Care. With a subscription to N26 Metalthat by 16,90 includes cell phone insurance up to 2000€. for theft or damage, in addition to the travel insurance and the benefits mentioned above.

In case you have any doubts, here's an article from N26 that talks about how you can claim a loss or incident on your trip. Although I can tell you in advance that everything is very easy to manage from the platform and it is very intuitive.

These tables are taken from this N26 Official Website.

Another great advantage of N26 is its conditions for making payments and withdrawals abroad, a fundamental aspect if you travel often and want to avoid unpleasant surprises in commissions.

With N26, you get free withdrawals in foreign currency at ATMs anywhere in the world, especially with the Metal plan. This means you can access your money without additional fees, which is uncommon with traditional bank accounts. If you are in countries where the use of cash is common, such as many destinations in Asia or Latin America, having free access to withdrawals becomes a significant savings in the long run.

In addition, N26 uses Mastercard's exchange rates, which are often much more competitive than those of local exchange bureaus. So you can pay directly with your card and get a favorable exchange rate.

Another plus point of N26 is its intuitive and easy-to-use app. From the app you can manage your expenses, receive instant alerts and create savings "spaces".

N26 allows you to create "spaces" where you can divide your savings for different goals, such as your next trip or emergencies. In my case, I find it useful to have a specific space for travel, where I set aside money before each trip, helping me to better manage my budget.

In addition, you can monitor all your movements in real time. You will receive notifications every time you make a payment or withdrawal, allowing you to stay on top of your finances instantly.

With N26 you can also make international wire transfers with TransferWise (now known as Wise) integrated into the app. This makes sending money anywhere in the world much easier and cheaper.

If you love the freedom of travel and want a bank account that keeps up with you, N26 is one of the best options. From travel insurance with Allianz to the ability to withdraw money abroad without fees, this card covers all the basic needs and more for travelers. Ready to make N26 your travel companion?

Since joining N26 in 2021, I have found it to be one of the best options for travel because of its ease of use and transparent fees. The 100% account is managed from the cell phone.which means you can do everything from transfers to balance inquiries without having to visit a bank branch. In addition, if you have any problems they have 24h assistance service. But the main reason I switched to the metal account is undoubtedly the travel insurance coverage.