N26 Business Business Metal
A plan byN26 Business
N26 Business is a genuine BaFin-licensed bank, offering multi-country EU IBANs, 0% FX, an affiliate program and coverage across 21 countries. Its limitations are a 3.7/5 Trustpilot rating and a very restrictive Standard plan, with only 10 transactions per month and coverage limited to 21 EU countries.
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
- cashback_cap_note
- Cashback 0.5% senza cap/limite mensile (uncapped) — fonte N26 Business Metal.
What's included
- Metal card
- 0.5% cashback
- Phone+Purchase insurance
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 | Free |
| Free ATM limit | 8 prelievi EUR gratis/mese, poi €2; prelievi non-EUR gratis |
| 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 |
Strengths
- true bank BaFin; IBAN multi-country EU; 0% FX; affiliate program; 21 countries.
- No notable sovereignty advantage documented.
Weaknesses
- Trustpilot 3,7/5; piano Standard very limited (10 tx/month).
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
N26 Business is a genuine BaFin-licensed bank, offering multi-country EU IBANs, 0% FX, an affiliate program and coverage across 21 countries. Its limitations are a 3.7/5 Trustpilot rating and a very restrictive Standard plan, with only 10 transactions per month and coverage limited to 21 EU countries.
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 Jun 15, 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