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.

N26 Business Perks that propel you forward

Enjoy partner deals, perfectly suited to freelancers and the self-employed. Fill your mind with big ideas and subscriptions that upskill you, tap into tools that help build, manage and grow your business, or just do more with your money thanks to brands such as Google Ads, Boosted, And.co and Fiverr. Additionally, support your lifestyle with offers from the likes of Blinkist, Skill Yoga and Udemy.

View the Perks available to you—and learn how to redeem them—in your N26 app.

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

Just get up and go, without having to worry about the details. Your N26 Business Metal policy provides cover for you, your spouse and children in case of medical emergencies abroad, with access to 24/7 medical phone assistance.

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.

Car rentals and mobility insurance

We’ve all got our favorite mode of transport. Whatever vehicle you choose to hire from a car, bike or scooter sharing app, we’ve got your back while you make the trip from A to B—hire car theft and damage cover included.

Stay covered with mobile phone insurance

Damaging your smartphone is frustrating—especially if you’re using it for all your business dealings. To avoid the unexpected, your Business Metal account covers your phone in case of theft or damage up to €1,000*, regardless of whether you paid for it with your N26 debit 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 Statistics feature, and log in via the Web App on your desktop to download your statements for easier tax returns.

N26 Bank Account categorising transactions for statistics.

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.

Explore sub-accounts

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.
Black N26 Business Metal 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?

To open a bank account with N26, you must meet the . 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 at our .

How do I get an N26 Business Metal debit card?

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 card—in your choice of metallic shade—to the delivery address you’ve provided.

How does the N26 Business Metal cashback work?

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.

Does N26 Business Metal come with insurance?

Your N26 Business Metal account comes with mobility and travel insurance, courtesy of Allianz Assistance. Benefit from emergency medical cover for you, your spouse and your children (including dental and winter sports coverage), trip curtailment or cancellation insurance, compensation for flight delays and luggage loss, mobile phone coverage in case of theft or damage, and bike, scooter and car sharing insurance both at home and abroad.

Find out more about what’s included in the .

Is mobile phone insurance included in the N26 Business Metal fee?

Yes, it’s included with N26 Business Metal. You’re covered in case of theft or damage up to €1,000, regardless of whether you paid for your smartphone with your N26 card or not.

Does my bank account come with deals and offers?

Yes, as a premium Business Metal customer, you can enjoy a wide selection of business-orientated perks from brands such as Google Adwords, Fiverr, And.co and Boosted. On top of this, benefit from a range of lifestyle deals and offers that support your general wellbeing.

How much does the N26 Business Metal account cost?

The N26 Business Metal account costs €16.90 per month, with a 1-year commitment period.

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