N26 Logo

  • Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control

    Go

    A graphic close-up of the front of a teal N26 Mastercard.
    Bank at home or on the go

    Metal

    A graphic close-up of the front of a black N26 Metal Mastercard.
    Make a statement
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control

    Business Go

    A graphic close-up of the front of a teal N26 Business card.
    Manage your business on the go

    Business Metal

    A graphic close-up of the front of a black N26 Business Metal card.
    Premium banking with cashback for your business
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    Features
    MastercardDigital wallets
  • Features
    SpacesGuide to interest rates
  • Highlights
    CRST-18128_PulseSoft_Travel benefits_Nav-highlight_140x140.
    Travel benefits Borderless banking
    A smiling man sits on the floor next to a backpack and looks at his smartphone.
    Travel Insurance Coverage for the unexpected
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
Log in
Log in
Get Business Metal
N26

Company

  • About us

  • Leadership team

  • Careers

  • Press

  • Inadempimenti ABF

Help

  • Customer Support

  • Sitemap

  • Complaints

  • Support Center

LEARN

  • Blog

  • Banking basics guide

  • Studies and research

MONEY TOOLS

  • Financial calculators

  • Budget calculator

  • 50-30-20 calculator

  • Interest calculator

  • Inflation calculator

  • Moving cost calculator

  • Festive budget calculator

More

  • Student bank account

  • Security

  • Refer a friend

  • Banking for expats

  • International money transfers

© N26 SE 2026
Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
A smartphone displaying a banking app lies on a brushed metal surface next to a black N26 Business Mastercard and a small vase with decorative sprigs.

Elevate your business

The premium account for freelancers with 0.5% cashback, free ATM withdrawals worldwide, extensive insurance, and more.
Get Business Metal

Cashback on all card payments

Get 0.5% cashback all card payments — paid into your account monthly.
A woman uses a credit card to make a contactless payment at a cafe counter while interacting with a barista.

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 Assistance1.
Learn more about insurance
N26 homepage app.

Banking at its finest


Download the app and start using our best business bank account.
Get Business Metal

*The Confetti Card is a limited-edition design option for your physical N26 Mastercard, available from 26.06.2026 until 31.12.2026 or while stocks last. Physical N26 Mastercards are available according to your N26 plan (Standard, Smart, Go, or Metal) and are subject to the applicable T&Cs and Price List.

1 Exclusions and restrictions apply. 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. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.

Advertising message for promotional purposes. Please see the contractual documentation for more information in the Legal Documents Section.

FAQ

  • 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 Metal account please refer to the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. Customers with a German IBAN account in Italy can find more information here. 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 two 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 four 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 lightning) damage
    Purchase Protection
    Which events are covered?
    • Theft; accidental damage to eligible goods for 12 months immediately after purchase
  • To find out more about the insurance benefits associated with your N26 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
  • 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