Continuing the amazing “off topic” segway for a moment - I think your point here is very valid.
I’m conscious to try and use “I think” and “in my opinion” or “I could be wrong” as much as possible, just so people don’t think what I am saying is gospel (it very rarely is ), but I’d rather not have to!
I only do it because people seem to come to this forum for genuine advise half the time, forgetting that behind each avatar could be someone completely unqualified to offer said advise, or whose values vary wildly from theirs.
I’d definitely ask @Rjevski some technical/coding questions and listen to his advise… Savings? Yeah… Not to much
But that’s his way of doing things, which is fine - I wish I could be as free flowing with my money and not lose sleep over it!
Back to the topic at hand…
I signed up. Why?
I really wanted to see a Metal card in the flesh - Call it sad, call it what you want, but it was the easiest way to do so (especially given the 30 day cancellation period if necessary).
I like N26 - I like their app, I like their European approach, I like their customer service, and I’m hopeful (perhaps foolishly hopeful) that they can double down on their UK efforts and bring their offering up to par with Monzo/Starling very quickly.
I like their “marketplace/partner” approach to their subscription services - TBH, if the Metal subscription included phone insurance, I’d possibly stick it out for the year (maybe longer).
With the current Metal offering right now, I can’t see many people finding it good value - They’d have to already use the few partners listed, and pretty much live in London to take advantage of it.
Like I said before - If they offered the card for a flat £20, but with the standard account - I’d buy it for the sake of it.