Cashback on all card payments
Get 0.5% cashback locally and 1% on card
payments outside the EEA, UK, and Switzerland — paid into your account monthly.1
First-class phone support
Get 24/7 chat support in English, French, German, Italian, or Spanish, or call us on the priority support line.
A safety net for your business
Stay covered with global travel insurance, smartphone cover, and purchase protection — all from Allianz Assistance.2
Maximize your growth
Boost your business with up to 2% interest p.a.3 on all your savings. Enjoy lower crypto fees and trade 5,000+ stocks and ETFs for free.4Investing involves risk of financial loss
Banking at its finest
Download the app and start using our best business bank account.
1 This promotion is applicable for N26 Business Go and N26 Business Metal who signed up before July 17, 2025 and after October 15, 2025. Participate in the promotion by clicking on the in-app message, email or push notification and click ‘Enroll’ on the in-app landing page for the promotion. From the moment of successful enrollment, receive 1% cashback for a maximum of 12 months on the following qualifying transactions made with N26 Mastercard: transactions conducted outside the European Economic Area (EEA), Switzerland and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway. See full T&Cs here: https://n26.com/hb-ex
2 Exclusions and restrictions apply. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. For more information, please see the N26 Metal Allianz Assistance Insurance Product Information Sheet and N26 Metal Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
3 Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. Subject to change by N26 at any time. Terms and conditions apply.
4 Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements. Investing involves risk of financial loss. Stocks and ETFs: All investments carry a risk of loss of principal. Equities and ETFs can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities and ETFs). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank SE. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH.
Crypto: Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v).
FAQ
- 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
- Serious accidental injury or unexpected serious illness including an epidemic/pandemic disease such as COVID-19 or Individual quarantine
- Trip delayed due to covered reasons by at least two hours.
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Reimbursement in case of damage, theft or loss of travel documents
- Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
- Theft, accidental damage; high voltage (including lightning) damage
- Theft; accidental damage to eligible goods for 12 months immediately after purchase
- 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
- 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
- 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
N26 Business Metal is designed to reward freelancers and self-employed professionals for every move they make. In addition to a signature stainless steel Mastercard, you’ll earn 0.5% cashback on local purchases and 1% on spending outside the EEA, UK, and Switzerland. Secure your business’s future with up to 2% interest p.a. on your savings, lower crypto fees, and an extensive insurance package that includes purchase protection and smartphone cover, provided by Allianz Assistance. Whenever you need help, enjoy peace of mind with 24/7 chat support and a dedicated priority phone line. Find out more in our terms and conditions.
For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
To open a bank account with N26, you must meet the eligibility criteria. You can then register 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.
Already an N26 customer? Then you can easily upgrade to N26 Business Metal in the N26 app.
You can find more information on how to open a business bank account in our Support Center.
When you open your N26 Metal account via the website or app, you can choose the color of your metal bank card. This step takes place before identity verification. Once your identity has been verified, we’ll send your stainless steel N26 Mastercard to your delivery address.
To learn more about N26 Metal card delivery, head over to this article in our Support Center.
The N26 Business Metal account costs €16.90 per month.
To sign up, you must use your own personal first and last names. The N26 Business Metal bank account is designed for self-employed people and freelancers only, who operate under their own name. That means you can’t have your company’s name on the account or card.
With N26 Business Metal, you earn 0.5% cashback on all your card payments. There’s no cap on how much you can earn, so you get rewarded for every euro you spend on your business. Your total earnings are calculated automatically and paid monthly directly into your account.
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?
Which events are covered? Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Which events are covered?
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Which events are covered?
Which events are covered?
Which events are covered? Completion of the trip as scheduled is not possible or cannot be expected due to e.g.:
Which events are covered?
Which events are covered?
Which events are covered?
Which events are covered?
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Which events are covered?
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
Please consult the general section, and respective information of each benefit in the for a precise overview of the respective restrictions and limitations.
Main exclusions