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Not sure about German/EU law, but in the Netherlands the 14 day cooling off period also applies to subscriptions and financial products [1]. However, this is only 14 days after the sale. I don’t think this applies to renewals.

[1] https://business.gov.nl/regulation/cancellation-period-sale/

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Yes, this is exactly what I meant and should be the EU law he mentioned. The 14 days only apply to subscriptions after initially signing up, after that you have to cancel your subscription within the regular cancellation period that is stated in the contract or terms of service and can be up to three months in Germany. In case of N26 Metal it seems to be four weeks.

The 14 days cool down period also applies in Germany and every EU country.

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