The premium business account, including cashback

Experience N26 Business Metal — the business bank account with 0.5% cashback, created for freelancers and self-employed, for €16.90/month. Sign up in minutes, and start using your account instantly.

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Get 4% interest

Discover N26 Instant Savings, with no deposit limits, simple conditions, and complete flexibility. Open your easy-access savings account today, available in the N26 app at no added cost. N26 Metal customers benefit from the highest interest rate: 4%* p.a.

More about the Instant Savings account

Image showing 4% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

Bank in style with Business Metal

Yes, banking can be beautiful, thanks to your 18-gram, stainless steel Mastercard for your N26 Business Metal account. Select one of 3 unique metallic tones for your card and make a sleek, modern statement. And you don't need to sacrifice style for substance — your engraved debit card is also enabled for contactless payments.

Benefit from 0.5% cashback

Get rewarded with 0.5% cashback on purchases made with your N26 card. Your cashback is deposited right into your account each month — the easiest way to reinvest back into your business.

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N26 Business Perks to power your business

Take advantage of partner benefits, perfectly optimized for freelancers and the self-employed. Save on subscriptions to tools and platforms that help you organize and run your business, such as Fiverr, Dropbox, Taxfix, and NordVPN. Additionally, upskill and invest in your future with deals from brands like Readly, Skill Yoga, Blinkist, and BookBeat. Discover the whole range of current Perks in your N26 app, complete with instructions for how to redeem them.

More peace of mind, wherever you go

No matter where your work takes you, you can rest well knowing that you’re covered with N26 Business Metal. Your account includes extended travel, mobility, and lifestyle insurance, so you can focus on the finer things — in life and in business.

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Travel, mobility, and lifestyle coverage

Emergencies while traveling

If anything goes wrong while you're away from home, get up to €1 million for emergency medical and up to €250 for emergency dental care.

Secure your purchases

For eligible purchases bought with your N26 card, you're covered up to €10,000 over 12 months in case of stolen or damaged goods.

Insurance for delayed or lost luggage

Claim up to €500 for bags delayed more than 4 hours, or up to €2,000 if your luggage gets lost altogether.

Insurance for delayed or canceled trips

It's hugely inconvenient if business trips don’t go as planned. Get compensation for your lost time if your trip is canceled or delayed for over 2 hours.

Device protection for your mobile phone

Losing your smartphone is frustrating, but it doesn't have to be a financial setback. Your Business Metal account insures your phone in case it's stolen or damaged, up to €2,000*. And more good news: You're covered regardless of whether or not you paid for your device with your N26 Business Metal card.

Global Mastercard payments, with no extra fees

Make card payments anywhere in the world and trust that you're getting Mastercard’s best exchange rate — and without paying any extra foreign transaction fees. Plus, travel with even less stress, thanks to free ATM withdrawals abroad and real-time alerts on your phone about your account activity.

Intuitive tools for managing your finances

Leave behind your eye-watering spreadsheets and mountains of paper — your N26 Business Metal bank account comes with the newest technology to help you keep track of your business finances. Our Insights feature automatically categorizes each of your account transactions, and downloadable account statements via the WebApp make tax season easier than ever.

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N26 Bank Account categorising transactions for statistics.

Better budgeting with Spaces sub-accounts

Manage your business finances like a pro with 10 Spaces sub-accounts, each with its own IBAN. Create Rules for incoming transfers, distribute amounts to different budgets or functions, send and receive SEPA transfers, set up direct debits, or receive payments from clients — all targeted to the dedicated sub-account. Saving up for a big project next quarter? Use Round-Ups to set aside the spare change whenever you make a card purchase.

Priority Customer Support, always at your service

We're here to help. Whether you have a quick account question, are looking for guidance on using the app, or need urgent technical support, as a Business Metal customer you get priority Customer Support. Contact our dedicated Customer Support specialists by phone or chat with them right within your N26 app.