N26 Business Metal

Invest in yourself

The business bank account with 0.5% cashback, designed for entrepreneurs, freelancers and the self-employed. Open yours in minutes, and start using it before your physical card arrives.

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.

Start earning interest

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%* p.a. It’s yet another benefit of our most premium bank account.
More about the Instant Savings account
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 4% p.a. interest rate, balance in the main account, and in the savings account.

Extra peace of mind, wherever you are

Whatever your day throws at you and wherever your business takes you, rest assured that you’re covered with N26 Business Metal. Thanks to your account’s extensive package of travel, mobility and lifestyle insurance, enjoy that extra peace of mind—both at home and further afield.

Insurance for travel, mobility and lifestyle

Medical emergencies abroad

Up to €1 million coverage for emergency medical and up to €250 for emergency dental costs while traveling

Flight delay and cancellation

We know how inconvenient it can be when business trips don’t always go to plan. Thankfully, if your flight is cancelled or more than 4 hours delayed, you’ll be able to claim compensation for the time and money lost.

Loss and delay cover for your luggage

Similarly, if your luggage is held up or goes missing while you’re going away on a business trip, avoid getting stranded without your essentials away from home, and get compensated for the inconvenience.

Trip interruption

Coverage up to €10,000 in 12 months for stolen or damaged eligible purchases bought with your N26 card

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.

Get organized with Spaces sub-accounts

Stay on top of your business finances with 10 Spaces sub-accounts, each with its own IBAN. Automatically set money aside from your main account with Rules, then pay your bills via direct debit, set up standing orders for recurring payments, send and receive SEPA transfers, or get paid from clients—directly in each sub-account. Saving up for future projects? Try Round-Ups to save up the spare change whenever you pay by card. With Shared Spaces, it's easy to pool money together with others, too.
Discover Spaces

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.


  • 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?
  • Does my bank account come with deals and offers?
  • How much does the N26 Business Metal account cost?
  • How do Spaces sub-accounts work, and what can I use them for?

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). ** The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.