Cashback on all card payments
Earn 0.1% cashback locally and 1% on card payments outside the EEA, UK, and Switzerland — paid into your account monthly.1
Coverage you can count on
Stay protected while working abroad with trip, medical, and baggage insurance provided by Allianz Assistance.2
Pay anywhere with no fees
Use your N26 card worldwide with no transaction fees, and never pay for ATM withdrawals in foreign currencies.3
Global data for your mobile office
Skip the roaming fees. Set up a travel eSIM once and get instant data access in over 100 countries worldwide.4
Build your business wealth
Grow your savings with interest, automate budgeting, and trade stocks or crypto to diversify your professional investments.5Investment involve risk of financial loss
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
1 This promotion applies to N26 Business Go and N26 Business Metal customers who signed up before July 17, 2025 or after October 15, 2025. To take part, simply open the in‑app message, email, or push notification about the promotion and tap “Enroll”. Once your enrollment is confirmed, you’ll receive 1% cashback for up to 12 months on qualifying transactions made with your N26 Mastercard. Qualifying transactions include purchases made outside the European Economic Area (EEA), Switzerland, and the United Kingdom. The EEA includes all EU member states plus Iceland, Liechtenstein, and Norway. See full T&Cs here:: https://n26.com/hb-ex
2 Exclusions and restrictions apply. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. For more information, please see the N26 Go Allianz Assistance Insurance Product Information Sheet and N26 Go Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
3 Unlimited free ATM withdrawals in the local currency outside the eurozone is exclusive to N26 Go and Metal.
4 eSIM data plans, partnered with our connectivity provider 1GLOBAL, are available for purchase in the app.
5 Investing involves risk of financial loss. Stocks and ETFs: All investments carry a risk of loss of principal. Equities and ETFs can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities and ETFs). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank SE. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH.
Crypto: Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v).
FAQ
- Death; Illness (incl. epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; Injury; Hospitalization
- Individual quarantine and other events listed in the collective insurance agreement
- Cancellation fees up to €10,000 per trip for trip cancellation
- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- Prorated costs of the covered travel services booked but unused at the destination up to €10,000 per trip
- Necessary transportation expenses to continue the trip or return home
- Additional accommodation/ transportation expenses if prolongation of the trip is necessary up to €100/day/per trip for a max. of three days
- Trip delayed due to covered reasons by at least two hours.
- Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Baggage: Up to €2,000 per trip Baggage delay: Up to €500 per trip
- Reimbursement in case of damage, theft or loss of travel documents
- Necessary costs for emergency replacement identification document up to €500 per trip
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- Reimbursement of medical expenses abroad
- Costs for emergency transportation and medically advisable and justifiable medical repatriation Max. amount covered:
- For medical emergency treatment: up to €1,000,000 per trip
- For dental emergency treatment: up to €250 per trip
- For medical repatriation up to the actual cost for search, rescue and recovery: up to €2,300 per trip
- Costs payable to a third party following damage or injury. Max. amount covered: up to €500,000 per trip
- Events occurring outside the validity dates indicated in the conditions for beneficiaries.
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
- Damage of any kind caused intentionally by the beneficiary or with their complicity.
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events.
- Claims arising due to pre-existing medical conditions.
- Violation of international sanctions, laws, or regulations.
- The policy deductible that is applicable to claims made under some benefit sections.
- Financial limits apply to each benefit section.
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.
- War (declared or undeclared) or acts of war
- Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
- Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
- Intentional self-harm or attempt of suicide.
- Unstabilized illnesses or injuries that were diagnosed or treated.
- An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in the coverage description.
- Local health situations, pollution, weather or climate events.
- Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description.
- Expenses incurred without the prior agreement of our assistance department.
- The cost of treatment or care not resulting from a medical emergency.
- The consumption of alcohol or drugs not medically prescribed.
- Participation in a professional or dangerous sport.
- Trip cancellation: deductible: €20 per beneficiary.
N26 Business Go is the ultimate travel-friendly account for freelancers and self-employed individuals who do business at home and on the move. Choose a physical Mastercard in one of five vibrant colors and enjoy unlimited free ATM withdrawals outside the eurozone, as well as zero foreign transaction fees. Travel with total peace of mind thanks to an extensive insurance package by Allianz Assistance, covering everything from flight delays and lost luggage to emergency medical expenses. On top of 0.1% cashback locally, you’ll also get 1% cashback outside the EEA, UK, and Switzerland. You’ll also get 10 Spaces sub-accounts with individual IBANs to help you organize your taxes and business expenses effortlessly. Find out more in our terms and conditions.
For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
To open a bank account with N26, you must meet the eligibility criteria. You can then register via the app — all you need is your smartphone and a photo ID to get started. The sign-up process takes just minutes. No paperwork is needed and you don’t even need a minimum deposit amount.
The N26 Mastercard is a debit card, which means all transactions occur in real-time and are directly debited from your N26 account when you make a purchase.
The N26 Business Go account costs €9.90 per month, and it’s an annual subscription.
To sign up, you must use your own personal first and last names. The N26 Business Go bank account is designed for self-employed people and freelancers only, who operate under their own name. That means you can’t have your company’s name on the account or card.
No. You can’t have a business account and a personal account at the same time.
With N26 Business Go, you earn 0.1% cashback on all your card payments, plus 1% cashback on payments made outside the European Economic Area, the UK, and Switzerland. There’s no cap on how much you can earn, so you get rewarded for every euro you spend on your business, whether you're at home or abroad. Your total earnings are calculated automatically and paid monthly directly into your account.
No, it doesn’t charge any foreign transaction fees. You can withdraw money for free worldwide, and pay anywhere Mastercard is accepted. With N26 Business Go, you’ll never pay foreign currency fees and we’ll never charge you for withdrawing money.
To find out more about the insurance benefits associated with your N26 Business Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
Trip Cancellation
Which events are covered?
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
To find out more about the insurance benefits associated with your N26 Business Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.
Please consult the respective Section of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations.
Main exclusions
Yes. With N26 Credit, you can get a personal loan ranging from €1,000 to €25,000 and pay it back over 12 to 60 months. Apply for your instant loan directly in the N26 app — no paperwork needed.
When you first take out your loan, you can choose how many months your loan will last, and how much you’ll have to pay back each month. To calculate how much you can afford to pay back each month, try creating a budget based on your monthly expenses.