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    Manage your business with more control

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    Premium banking with cashback for your business
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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.

Earning interest on your savings

Open a new N26 account and grow your savings with 1.5%* gross interest p.a. with N26 Metal (1.05% net), 0.50% p.a. with N26 Go (0.35% net), and 0.30% p.a. with Smart and Standard (0.21% net), and access your funds at any time.
More about the Instant Savings account
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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.
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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.
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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.
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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.
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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.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.
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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.
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Business banking, designed for you

Open an N26 account or upgrade to Business Metal and discover a new way to bank — your business, your style.
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*Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. The gross interest rate for the N26 Instant Savings account corresponds to the current European Central Bank deposit facility rate (1.5% starting on 11/06/2025) and is subject to change by N26 any time. Terms and conditions apply.

FAQ

  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • The N26 Business Metal account costs €16.90 per month, and it’s a yearly subscription.
  • To find out more about the insurance benefits associated with your N26 Business Metal 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 contains conditions specific to that section
    • 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
    • For purchase protection, objects with a minimum value below €100
    • For Mobile telephone accidental damage and theft, objects older than 2 years
  • To find out more about the insurance benefits associated with your N26 Business Metal account please refer to the Insurance Product Information Document(IPID) and the Conditions for Beneficiaries. Trip Cancellation Which events are covered?
    • 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
    Travel Interruption Which events are covered? Completion of the trip as scheduled is not possible or cannot be expected due to (e.g.):
    • Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
    Travel Delay Which events are covered?
    • Trip delayed due to covered reasons by at least 2 hours.
    Baggage and Baggage Delay Which events are covered?
    • Reimbursement in case of damage, theft or loss of items
    • Reimbursement for essential items purchased if luggage is delayed by more than 4 hours
    Identification Document Coverage Which events are covered?
    • Reimbursement in case of damage, theft or loss of travel documents
    Emergency medical/dental benefits abroad & Emergency transportation Which events are covered?
    • Illness or accidental injury during travel - including treatment for an epidemic or pandemic disease such as COVID-19
    Personal Liability Mobile Telephone Accidental damage & theft Which events are covered?
    • Theft, accidental damage; high voltage (including lightening) damage
    Purchase Protection Which events are covered?
    • Theft; accidental damage to eligible good for 12 months immediately after purchase
  • Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations. Main exclusions
    • 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 or comit 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
    Main restriction
    • Trip cancellation: Deductible: €20 per beneficiary
    • Purchase protection: Deductible: €50 per claim, Depreciation: 10% every 6 months following the purchase date
    • Mobile phone: Purchase less than 2 years old, Depreciation: 10% every 6 months following the purchase date

Important information about the insurance

N26 Business Metal is a premium membership supplementing the N26 current banking account. N26 is the policyholder of a collective insurance agreement, as detailed in the Conditions for Beneficiaries. The insurance agreement is held by N26 and is underwritten by Allianz Assistance.
The insurance benefits are embedded within N26 Business Metal and are only available to the customer for the duration of their membership. A summary of the cover can be found in the FAQ. German law is applicable.Please note that the premium for the insurance policy is paid by N26 Bank AG. The insurance cannot be purchased separately from the N26 Business Metal membership.
The insurance coverage begins with the subscription to the membership and ends when the customer terminates their N26 Business Metal membership, which can be terminated at any time by the customer. Discounts granted for an annual over a monthly subscription will then lapse.Information on dispute resolution can be found here https://n26.com/en-be/imprint
Further information can be found in the Conditions for Beneficiaries