# Premium Banking Releases N26 Launches N26 You as Its Second Tier Account Option By Daniel Johnson | Published 2019-07-25 | Business Source: Trend Hunter, https://www.trendhunter.com/trends/n26-you References: [techcrunch](https://techcrunch.com/2019/07/16/n26-announces-n26-you-a-revamped-premium-account/) & [n26](https://n26.com/en-eu/you-bank-account-with-travel-insurance) N26 has announced its newest account, titled N26 You. The account is its newest premium account, much like previous versions but with some changes and additions. N26 operates with a three-tier account system, with a basic account, a premium account, which is N26 You, and a super premium account, called N26 Metal. The new premium account will offer much of the same perks as its previous N26 Black account. However, some additions include [travel and purchase insurance packages](https://www.trendhunter.com/trends/citi), as well as transaction fee-free foreign currency withdraws. The N26 You account holder scan also utilizes 10 spaces to handle finances. Spaces include savings, managing and sub-accounts. N26 is also looking at incorporating perks to the account, including discounts with a number of different companies, such as Hotels.com, [WeWork](https://www.trendhunter.com/trends/luxury-lifestyle-credit-card), GetYourGuide, Babbel, Blinkist and [Bloom & Wild](https://www.trendhunter.com/trends/french-bloom-estate). Image Credit: N26 ## Trend Insights (Trend Hunter) - Score: 1.4/10 - Popularity: 8% | Activity: 25% | Freshness: 8% - Audience gender: 50% men, 50% women - Primary generations: Gen Z, Millennial, Gen X - Top markets: North America, South America, Europe, Asia, Africa ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Business](https://www.trendhunter.com/business) > [New Ventures](https://www.trendhunter.com/newventures) ## Key Themes ### Why This Trend Is Growing - **Premium Account Growth:** The increasing demand and competition for premium banking accounts present opportunities for financial institutions to innovate and create unique and personalized offerings. - **Lifestyle Perks Integration:** Integrating lifestyle perks and discounts into premium banking accounts allows for value-added services and potential partnerships with various companies. - **Multi-functional Account Features:** Adding multi-functional account features like spaces allows for more personalized and customizable experiences for account holders, leading to increased customer satisfaction and loyalty. ### Industries Being Reshaped - **Banking:** The banking industry can innovate and differentiate by offering unique and personalized premium account options and benefits to attract and retain customers. - **Travel:** Travel companies can capitalize on the trend of premium banking accounts with travel perks and discounts to create partnerships and attract customers. - **Education:** Incorporating educational perks and discounts into premium banking accounts presents an opportunity for the education industry to build partnerships and reach new customers. ## Related on Trend Hunter - [Luxury Lifestyle Credit Cards](https://www.trendhunter.com/trends/luxury-lifestyle-credit-card.md) - [Rewarding BNPL Memberships](https://www.trendhunter.com/trends/klarna-memberships.md) - [Neobank Investing Features](https://www.trendhunter.com/trends/bunq.md) - [Business-Style Finance Platforms](https://www.trendhunter.com/trends/you-llc.md) - [Creator-Focused Neobanks](https://www.trendhunter.com/trends/nerve-1.md) - [Banking Super Apps](https://www.trendhunter.com/trends/bankifi.md) - [Savings-Focused Youth Accounts](https://www.trendhunter.com/trends/absa-bank-tanzania.md) - [Student-Focused Credit Cards](https://www.trendhunter.com/trends/neu-1.md) - [AI-Powered Digital Banks](https://www.trendhunter.com/trends/revolut-2.md)