N26 Business
N26
N26 Business is a genuine BaFin-licensed bank, offering a German IBAN, 0% FX, unlimited SEPA transfers on all plans, an affiliate program and coverage across 21 EEA countries. Its limitations are a 3.7/5 Trustpilot rating and a basic Standard plan (only 2 free EUR ATM withdrawals/month, few Spaces, no insurance), plus coverage limited to the EEA.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · DE |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| SEPA transfer | Free |
| Interest on balance | 0.25% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 21+ countries |
| Regulator | BaFin |
| OAM Italy registration | Yes |
| MiCA / License status | Full Banking License |
Plans & pricing
Business Standard
- Price
- Free
- Issuance fee
- €10
- FX markup
- 0%
- Cashback
- 0.1%
- Cashback currency
- EUR
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- 2 prelievi EUR gratis/mese, poi €2; prelievi non-EUR: 1.7%
- Net annual cost
- Free
- DE IBAN
- 0.1% cashback
- Sub-account base
Cashback 0.1% senza cap/limite mensile (uncapped) — fonte N26 Business.
Business Smart
- Price
- €5
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0.1%
- Cashback currency
- EUR
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- 3 prelievi EUR gratis/mese, poi €2; prelievi non-EUR: 1.7%
- Net annual cost
- €59
- 10 Spaces
Cashback 0.1% senza cap/limite mensile (uncapped) — fonte N26 Business.
Business Go
- Price
- €10
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0.1%
- Cashback currency
- EUR
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- 5 prelievi EUR gratis/mese, poi €2; prelievi non-EUR gratis
- Net annual cost
- €119
- Travel insurance
- ATM estero illimitato
Cashback 0.1% senza cap/limite mensile (uncapped) — fonte N26 Business.
Business Metal
- Price
- €17
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0.5%
- Cashback currency
- EUR
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- 8 prelievi EUR gratis/mese, poi €2; prelievi non-EUR gratis
- Net annual cost
- €203
- Metal card
- 0.5% cashback
- Phone+Purchase insurance
Cashback 0.5% senza cap/limite mensile (uncapped) — fonte N26 Business Metal.
Strengths
- Genuine BaFin bank; German IBAN; unlimited SEPA; 0% FX; affiliate program; 21 countries.
- No notable sovereignty advantage documented.
Weaknesses
- Trustpilot 3.7/5; basic Standard plan (2 free EUR ATM withdrawals/month, no insurance).
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
A good rating justified by being a genuine BaFin bank with a German IBAN, 0% FX, unlimited SEPA transfers and coverage across 21 countries, available in Italy and OAM-registered. Holding it back are a 3.7/5 Trustpilot, below-average privacy (4/10) and a basic Standard plan (few free withdrawals, no insurance): the banking licence protects, but the base experience disappoints.
Weak through this lens: a full bank with integral KYC, BaFin oversight and low privacy (4/10) means maximum traceability and no autonomy. No self-custody or censorship resistance; the banking solidity that rewards it under Tutela is almost a demerit here.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is N26 Business a real bank?
N26 Business operates under a Full Banking License licence (DE). It is regulated by BaFin. Fund protection: €100k EDIS DE.
Can I send transfers to third-party IBANs with N26 Business?
Yes, N26 Business allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does N26 Business support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does N26 Business support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from N26 Business?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Founders · Monthly fee · +11 Data verified on Jul 11, 2026
- cnbc.com Investors Data verified on Jun 15, 2026
- support.n26.com On-chain crypto withdrawals · Plans & pricing · Deposit guarantee · Cashback · +1 Data verified on Jun 15, 2026
- techcrunch.com Stock ticker · Stock listing · IPO date Data verified on Jun 15, 2026
Show 4 more sources
- lei.info Issuer Data verified on Jun 14, 2026
- capitalo.de Savings interest · Deposit guarantee Data verified on Jun 13, 2026
- caproasia.com Past incidents Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026