Risk indicator for all N26 accounts.
1/6
1/6 This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
The premium business bank account with cashback
Discover N26 Business Metal — the business bank account with 0.5% cashback, designed for freelancers and the self-employed, for €16.90 per month. Open yours in minutes, and start using it before your physical metal card arrives.
5% discount on your freelancer fees*
If you're self-employed, we'll refund 5% of your fees for 12 months. All you have to do is set up a direct debit from your N26 Business account to pay your freelancer fees before April 30th 2024.
Learn more
Stand out with Business Metal
Discover a beautiful banking experience, with N26 Business Metal’s premium Mastercard in 18-grams of stainless steel. Available in 3 distinct metallic shades that best suit your style, the engraved contactless debit card offers a stylish, minimalist aesthetic that means business—and delivers all the functionality you need.
Get rewarded with 0.5% cashback
Earn 0.5% cashback on all card purchases and get money straight back into your account on a monthly basis. A smart way to reinvest it in your business—no fuss, no strings attached.
Grow your savings by 2.26% AER — only with N26
With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
- 2.26% AER interest calculated daily, paid monthly
- No minimum deposit
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
Insurance for travel, mobility and lifestyle
Emergencies when travelling
Up to €1 million coverage for emergency medical and up to €250 for emergency dental costs while traveling
Purchase protection
Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card
Baggage coverage and delay insurance
Get covered up to €500 for baggage delays over 4 hours, or up to €2,000 if your baggage goes missing.
Travel delay and cancellation
We know how inconvenient it can be when business trips don’t go to plan. Thankfully, if your trip is cancelled or delayed for more than 2 hours, you’ll be covered.
Stay covered with mobile phone insurance
We've all been there, but losing your smartphone doesn't have to be a big deal. To avoid the unexpected, your Business Metal account covers your phone in case of theft or damage up to €2,000*, regardless of whether you paid for it with your N26 Business Metal card or not.
Go global with Mastercard, at no extra cost
Wherever your business takes you, make payments anywhere in the world with zero foreign transaction fees and at Mastercard’s best exchange rate. Plus, enjoy free unlimited ATM withdrawals abroad and stay up-to-date with instant push notifications that inform you of what comes in and out of your account.
Smart management tools at your fingertips
Forget clunky spreadsheets and mountains of paperwork—your N26 Business Metal bank account helps you keep track of all your business expenses all in one place. Get an automatic categorization of your spending with our Insights feature, and log in to the web app on your desktop to download your statements for easier tax returns.
Priority Customer Support, always at your service
Whatever you need, we’re here to help. Whether it’s a quick question about your account, guidance on using a feature, or urgent technical support, just reach out to a dedicated Customer Support specialist on the phone, or chat to the team directly via your N26 app.
Your card, your business style.
Join N26 or upgrade to Business Metal to redefine your banking experience.
FAQ
What do I need to open an N26 Business Metal account?
To open a bank account with N26, you must meet the eligibility criteria. You can then register on our website or via the app—all you need is your smartphone and a photo ID to get started. The sign-up process only takes a few minutes and no paperwork is needed—and you don’t even need a minimum deposit amount.
You can find more information on how to open a business bank account at our Support Center.
How do I get an N26 Business Metal debit card?
Your N26 Business Metal bank account comes with a free contactless Mastercard debit in 18-grams of stainless steel. Once you’ve signed up and your identity has been verified, we’ll send your Business Metal card — in your choice of metallic shade — to the delivery address you’ve provided. Please note that we don’t currently offer credit cards at N26 for our business bank accounts.
How does cashback work at N26?
Looking for a current account with cashback? With N26 Business Metal, earn 0.5% cashback on all your purchases made with your N26 Mastercard. This money is paid straight back into your account on a monthly basis.
Does N26 Business Metal come with insurance?
Your N26 Business Metal account comes with travel insurance, courtesy of Allianz Assistance. Benefit from emergency medical coverage abroad for you, your spouse and your children, trip interruption or cancellation insurance, compensation for travel delays and baggage delays and baggage loss, mobile phone coverage in case of theft or damage, personal liability when travelling and purchase protection.
Find out more about what’s included in the Terms and Conditions.
Is mobile phone insurance included in the N26 Business Metal fee?
Yes, it’s included with N26 Business Metal. You’re covered in case of theft or damage up to €2,000, regardless of whether you paid for your smartphone with your N26 card or not.
How to open a free N26 bank account?
To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone.
Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.
Does my bank account come with deals and offers?
Yes, as a premium Business Metal customer, you can enjoy a wide selection of business-orientated perks from brands such as Fiverr, Dropbox, Taxfix, and NordVPN. On top of this, benefit from a range of lifestyle deals and offers that support your general wellbeing.
How much does the N26 Business Metal account cost?
The N26 Business Metal account costs €16.90 per month, and it’s a yearly subscription.
Can I manage payments and receive incoming funds from public institutions with my N26 account?
Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
What are the implications of N26 being a collaborating entity with Seguridad Social and Hacienda?
This means that you can receive benefits to which you are entitled to from the Spanish Social Security and SEPE directly on your N26 account (e.g. pension, sick leave, unemployment, Minimum Living Income or other types of benefits). In addition, if you are self-employed or a freelancer, you can also pay your self-employment fees using your N26 account.
Can I manage payments and receive incoming funds from public institutions with my N26 account?
Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
Which Spanish bank can I switch from?
You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.
Related posts
These might also interest you
Our premium accounts now come with even more exclusive discounts and partner offers
Taking personalized, premium banking to the next level, N26 You and Metal now come with even more exclusive discounts and offers.
Budgeting for freelancers: a how-to guide
Irregular freelance income makes budgeting difficult, but also essential. Check out our guide to budgeting for freelancers to help build a budget that works for you.
6 tips on how to support your local businesses
Local businesses are the backbone of our neighborhoods and the economy. Here are our 6 best tips on how to support your local champions.
TIN 0%, APR: -3.98% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €16,90/month. The settlement of the account is made monthly.