N26 launches mid-level subscription plan for € 4.90 per month – Heaven32

Banco Challenger N26 you add a third subscription product called N26 Clever. N26 Smart is designed to be a mid-level subscription plan with advanced banking features but without a travel insurance package.

In Europe, in addition to the free plan, N26 already offers two subscription levels called N26 You and N26 Metal. N26 You costs € 9.90 per month and comes with higher limits such as five free ATM withdrawals instead of three and free foreign currency withdrawals.

With an N26 You account, you can create sub-accounts (N26 Spaces), share them with other N26 users or use them to save money. As an N26 You subscriber, you also get a travel insurance package with travel medical insurance, travel and flight insurance, etc. You can also access certain partner offers.

N26 Metal is the most expensive plan and costs € 16.90 per month. On top of everything at N26 You, you get car rental insurance when you’re abroad and phone insurance. As the name suggests, you also get a metal card.

The new N26 Smart subscription costs € 4.90 and works well for people who don’t need travel insurance. With an N26 Smart subscription, you can create up to ten sub-accounts. You get five free ATM withdrawals per month. You can also call N26 support directly in addition to the in-app support chat.

N26 is launching a new summary feature for N26 Smart users. It allows you to round each purchase to the nearest Europe and save it in a separate sub-account. The N26 Smart account also accesses colored debit cards, the same colors as N26 You.

This is only a first step as N26 plans to completely renew its subscription products. In the near future, N26 You will become N26 International. There will be more features focused on borderless banking. N26 Metal will become N26 Unlimited.

As for the free standard N26 account, the company wants to focus on digital cards. Some users will upgrade to the N26 Smart plan to keep some of the features they used with a free account. This decision should help the results of the company.