Risk indicator for all N26 accounts.
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.*Terms and conditions
Learn more
5% cashback for freelancers.

Earn 4% NIR (3.8% AER)* with N26 Metal

No deposit limits, simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Metal customers enjoy our highest interest rate: 4% NIR* (3,8% AER) It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
The image shown an interest rate of 2.26% with a woman in the background.

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.

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.

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.
N26 Bank Account categorising transactions for statistics.

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.
N26 Premium Metal dedicated phone support.
n26 standard card.
n26 metal card.
n26 you card.

Your card, your business style.

Join N26 or upgrade to Business Metal to redefine your banking experience.

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. *N26 Instant Savings has no minimum or maximum deposit limit. *3.8% AER (4% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €3 797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit.


  • What do I need to open an N26 Business Metal account?
  • How do I get an N26 Business Metal debit card?
  • How does cashback work at N26?
  • Does N26 Business Metal come with insurance?
  • Is mobile phone insurance included in the N26 Business Metal fee?
  • How to open a free N26 bank account?
  • Does my bank account come with deals and offers?
  • How much does the N26 Business Metal account cost?
  • Can I manage payments and receive incoming funds from public institutions with my N26 account?
  • What are the implications of N26 being a collaborating entity with Seguridad Social and Hacienda?
  • Can I manage payments and receive incoming funds from public institutions with my N26 account?
  • Which Spanish bank can I switch from?