Sono tante le peculiarità della carta N26 Business Metal, come abbiamo visto. If you just keep the regular N26 account, this is a slight downgrade from what you had before. L’app ti manderà inoltre delle notifiche push per avvisarti di addebiti e transazioni. (These fees are waived for N26 You and Metal subscribers.). Alla fine di ogni mese riceverai una somma di denaro che corrisponde allo 0,5% delle spese che hai effettuato, direttamente sul tuo conto. It can also make the life of international travellers much easier and save them some money on all the basics. Nell’eventualità in cui non disponi del tuo cellulare potrai eseguire la medesima operazione contattando direttamente il numero dedicato allo 02 124 123 361, identificandoti e richiedendo la temporanea sospensione della carta o la sua cancellazione. La tarjeta tiene las mismas características que la tarjeta N26 con la única diferencia de que la marca de la tarjeta será MasterCard Business y realizarán una devolución del 0,1% en todas las compras que realices. Di seguito elenchiamo le principali differenze tra i due piani a pagamento. The first is called You and it costs €9.90 per month. N26 has 3 types of accounts, and this review is about the standard one. The free account (and the free card) however charges you 1.7% on purchases, so you may want to upgrade to the paid options (except the US). Inoltre potrai disporre pagamenti ricorrenti, adempiendo con puntualità alle rate dei tuoi finanziamenti e di domiciliare le utenze delle tue forniture. It also doesn’t charge for overdrafts. Additionally, the app allows for more control than many customers have at standard banks. N26 You fees The price hasn't changed. In many situations, N26 makes spending, saving and managing money much better and (as it turns out) is a reputable and trusted bank. As for the blocked accounts, which means that the funds are potentially frozen, this is probably due partly to the regulations they have to meet as a registered bank. N26 Business, just like a regular N26 account, is completely free. On N26 personal bank account, the company has three types of accounts: N26, N26 You, and N26 Metal. If you still want a similar service for business and you are a resident of the UK (or anywhere else), Wise Borderless is an excellent alternative to N26. I trasferimenti infine in valuta diversa dall’euro avvengono tramite Transferwise. Oltre alla versione standard di queste carte conto, N26 mette a disposizione dei suoi clienti una versione Business delle sue carte N26 Standard, N26 You (precedentemente carta conto N26 Black) e N26 Metal. 5. Il pacchetto assicurativo offre una copertura di base a casa e in viaggio: L’obiettivo primario della carta N26 Business Metal è sempre stato quello di semplificare al massimo le operazioni degli utenti. Con N26 Business disporrai di un prodotto realizzato per offrirti la massima sicurezza durante ogni tua attività e transazione. Attiva una carta prepagata e ricevi fino a 25 euro di credito bonus. N26 YOU and Business You package costs €9.90 per month. And it’s worth noting here that the “dedicated customer support” is optional and only available to the £14.90/€16.90 per month tier. Dopo la conferma che il tuo conto N26 Business è stato attivato, riceverai una successiva comunicazione sulla tua posta elettronica in cui saranno presenti i codici di accesso all’app, l’IBAN Italiano e gli estremi della carta virtuale. N26 Premium account benefits. Grazie all’applicazione Spaces, inoltre, potrai gestire direttamente il tuo conto e mettere da parte somme per i tuoi progetti, creare regole e impostare obiettivi di risparmio. “N26 is legally obligated to verify our customers at regular intervals.”, “As a fully-fledged bank, N26 must submit itself to banking regulations in place. For most of Europe (not inc. the or US) there is a N26 business account designed for small business owners, self-employed people or freelancers. Potrai utilizzare anche la versione virtuale della tua carta N26, introducendola nel wallet digitale e usando Apple Pay o Google Pay, per effettuare i tuoi acquisti online o presso gli esercenti. N26 accounts don’t require that you keep a minimum balance and there are no monthly maintenance fees. N26 comes with two premium tiers. The difference between N26 business and personal is simple. While some fees – like overseas ATM withdrawal fees – are pretty clear (but still frustrating) many fees go unnoticed and can be significant – like the exchange rates you are given. N26 You is a personal account, not to be used for business purposes. Sono gratuiti anche i bonifici SEPA in euro e gli ordini permanenti di bonifico. Although this is no doubt frustrating for those who are declined, if you prove the criteria in our next section “How to Sign Up” you chances of being declined are slim. N26 Bank's closest competitor is Revolut, another European bank that is app-only and offers fee-free spending when abroad. Ti basterà scaricare l’app apposita, disponibile su Apple Store e su Google Play. This video shows some of the cool features of N26. Perhaps a worthwhile upgrade especially if the other benefits make sense. be a resident of a supported country (as listed above), hold a supported ID (there are different requirements for different countries, list of supported IDs us available on their site), be able to verify yourself in one of the supported languages that include English, Spanish, German, French or Italian, Once you confirm your email, personal details and address, select the type of N26 account you want. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. La carta N26 Business Metal ti offre un’ampia operatività per effettuare le spese e i movimenti utili alla tua attività. Per quanto riguarda il tasso di cambio, non è prevista alcuna maggiorazione per la valuta estera. N26 vs Revolut. With N26, you get 5 free withdrawals every month 1. While both business are technically registered European banks, Revolut isn’t regulated by … Questo cashback è interessante perché non è uno sconto sul prezzo di uno specifico prodotto o di un servizio, ma viene maturato ogni volta che completi un’operazione di pagamento. E come si fa per richiedere la carta conto? You will be asked to prove your identity and connect your smartphone to your account. In quanto conto corrente con IBAN avrai l’opportunità di ricevere bonifici in euro, oppure esteri in valute differenti o ricevendo pagamenti da un’altra carta di debito che dispone anch’essa di un International Bank Account Number. On the surface, XE (formerly HiFX) is a reputable and trusted international foreign exchange business. Potrai anche impiegare la carta Mastercard metal – disponibile in tre colori: Nero carbone, Rosa quarzo e Grigio perla – presso gli ATM come bancomat, con un pieno controllo delle tue finanze, dato che avrai l’opportunità di effettuare prelievi e acquisti solo se l’ammontare è pari o inferiore a quello presente sul tuo conto corrente. Possiamo riassumerle sinteticamente in questa maniera: Infine in quanto cliente N26 otterrai anche un servizio di assistenza dedicato, con la possibilità di utilizzare una chat in italiano 7 giorni su 7 e un supporto dedicato solo a te, tramite telefono, con un aiuto in caso di problematiche nell’utilizzo del conto. N26 vs Monzo: Their Costs. This way, you get most of the features of a regular bank account including an international debit card with free ATM withdrawals. Inoltre avrai l’opportunità di prelevare presso gli sportelli ATM fino a un massimo di 2500 € giornalieri (20000 € al mese) e pagare online fino a 5000 € per operazione. The N26 Smart and Business Smart plan costs €4.90/month. To qualify you need to reside in: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia. Note: N26 also offers N26 Business, an account designed for freelancers and small business owners. In the US there is just one card designed to bring much cheaper banking and overseas spending to Americans. ATM withdrawals: Tie. But first, let’s look at the problem N26 is solving. Anyone can open a N26 Bank account, as long as they are resident in the EU or EEA. La versione Business delle carte N26 è un’opzione di conto specifico per le tue iniziative professionali o se svolgi l’attività di freelancer, senza la necessità di fornire documenti reddituali o l’attestazione del rilascio di partita IVA. Ultimo passo è quello di scegliere se vuoi ricevere la carta fisica N26 Business Metal, scegliendo i colori che preferisci tra quelli previsti. Non vi sono limiti agli importi di denaro che potrai ricevere tramite bonifico, mentre se effettui dei versamenti utilizzando il tuo IBAN il massimo giornaliero trasferibile è di 50000 €; per ciò che riguarda la ricarica in contanti attraverso CASH26, non potrai superare i 999,99 €. Vai al sito ufficiale di carta N26 Business. This is true for N26 and Revolut as well. N26 offre un’assistenza a 360° anche nel caso in cui ti trovi nella spiacevole situazione di subire il furto della tua carta, infatti potrai utilizzare immediatamente l’app, entrando nella sezione delle impostazioni della tessera e bloccare tutte le sue funzionalità: prelievi ATM, pagamenti online e presso gli e-commerce. Se invece sei certo di aver subito un furto o di avere definitivamente perso la tua carta N26, dovrai immediatamente effettuare la denuncia di smarrimento, da allegare alla domanda di cancellazione della carta, e successivamente richiederne una nuova. The N26 Business Standard free business bank account can help you to easily keep track of your business expenses and income in one place, which will make bookkeeping and accounting easier as your business grows. In fact, here’s what the majority of customers have said about N26: “Awesome”, “Easy, fast and safe”, “So far the best bank”, “Fast shipment of the card” and even “makes life easier”. The challenger bank has been around since 2013, longer than companies such as Starling, Monzo, and Revolut. The Standard N26 program is a free account. Disclosure: This post contains affiliate links. The main differences are that as N26 has a German banking license, deposits are guaranteed up to €100K while a similar guarantee is not yet available for Revolut in the EU and N26 does not charge anything for card transactions in foreign currency. For example, you can lock your Visa debit card from the app if you lose it to stop fraudulent purchases. The standard N26 account is free. With Revolut you can also put a limit on how much you want to spend each month and every time you make a payment you'll be notified how much is remaining - … Approximately 9% of total reviews relate to their services or dealing with their customer service team. The three plans they offer are: 1) N26 (FREE) Free card payments in Euros; 2) N26 You (€9.90 per month) Free card payments in any currency N26 cards overview. The standard N26 account is free. N26 è una banca attenta a offrirti prodotti in cui si combinano da un lato un’elevata affidabilità degli strumenti stessi, e dall’altro l’innovazione tecnologica. All you need to do is download the app, fill in the details, agree to terms and conditions and order your card. N26 – This account has no monthly fees. Both types of accounts have four plans to choose from – N26 Standard, N26 Smart, N26 You, and N26 Metal. N26 Fees. Potrai identificare subito chi è già parte della community di N26 tra i contatti nella tua rubrica dello smartphone: potrai infatti notare la presenza di un’icona rotonda di colore azzurro. The higher tier, called Metal, costs €16.90. The additional benefit here is that the physical card is a metallic card instead of a standard plastic card. N26 accounts don’t require that you keep a minimum balance and there are no monthly maintenance fees. N26 offers free standard delivery with your first card after opening an account or upgrading. That said, only N26 Metal and N26 Business Metal customers receive a dedicated Metal phone line seven days a week. N26 works also uses Wise (formerly TransferWise), for international money transfers, which keeps costs low. However we think it is a good idea to limit the funds you hold with them to avoid possible issues if your account gets frozen. Today you’re going to find out if OFX is your best option. a free debit Mastercard.. Debit means that it’s not a credit card where you first can spend and then later pay the balance – but you need to put money on it first and then you can spend it. Si vous optez pour un compte N26 standard, pour chaque retrait en devises étrangères, une commission de 1,7 % du montant total retiré est appliquée. 1) The free basic account enables free ATM withdrawals in euros and free payments in any currency. N26 You vs Hype Next, con canone mensile e più servizi. Ma come procedere? N26 personal account cannot be used for business purposes. The more expensive the account fees of your monthly plan are, the … It’s the same fantastic app, largely the same pricing, etc. La tarjeta tiene las mismas características que la tarjeta N26 con la única diferencia de que la marca de la tarjeta será MasterCard Business y realizarán una devolución del 0,1% en todas las compras que realices. Yes, there is also an option for Americans! All customers apart from those on the free accounts also get phone support seven days a week. We’ve already talked about what accounts are available with N26 and Monzo. It also doesn’t charge for overdrafts. Up to 10 sub-accounts (called spaces), which enables business owners to separate costs as per business units. For business use – There is also an option if you are a freelancer or self employed. So, you can stay assured that the account is fully secure and your transactions are safe. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. N26 Metal customers can enjoy up to 8 free withdrawals per month in the Eurozone. The low down…, Read More Transferwise Reviewed (and is it Best for You)Continue, 6 Things You Need To Know Before You Sign Up In the next few minutes you will find out if Ria is the right money transfer service for you. For example, you can lock your Visa debit card from the app if you lose it to stop fraudulent purchases. They have different plans, and you can choose the one that best suits your needs. Revolut vs. N26: Side-by-side comparison Revolut offers a free account as well as two different premium accounts. For more information, see my disclosures here. After that, you pay 2€ per withdrawal 1. But this is definitely a cause for concern in our opinion and as a result in our Bottom Line (below) we recommend using them as part of your banking solution – not the whole solution. N26 Business customers can enjoy up to 3 withdrawals per month in the Eurozone. On average – the Mastercard rate, used by N26, was just 0.25% worse than the Interbank rate used by Revolut. That leaves Germany, Austria, Spain, Italy, Ireland, Slovakia, Gree… If you are based in any of these countries and have to travel frequently or make foreign payments, N26 is has a few options to consider. After that, you pay 2€ per withdrawal 1. Compare bank accounts and prices: get a Mastercard and choose from free standard and business accounts, or premium bank accounts with extra perks. Opening a standard N26 account is free. How does N26 Business You work? You also get a Mastercard for business spending and a Maestro card for personal use. N26 is a regulated bank (in Germany) so you can reasonably expect there are some important safeguards. Here is what you can do with your N26 account. Grazie a essa avrai la possibilità di trasferire denaro su un altro conto corrente o carta, ricevere l’accredito per una fattura, effettuare i pagamenti di una bolletta, di un F24, MAV e RAV, collegandoti direttamente dal tuo telefono. Here is the difference for the three-tiers. However, they only launched their personal accounts in the UK in late 2018, with business accounts set to follow soon. N26 Business vs Personal. Potrai ricaricare una carta N26 Business Metal appena il conto verrà attivato, attraverso varie opzioni. Ciò significa che in un solo strumento disporrai di tutte le potenzialità e le funzioni di un conto corrente ordinario e al contempo di uno strumento smart che si adatta perfettamente alle nuove realtà tecnologiche e finanziarie. In some cases funds are frozen and this naturally causes a lot of distress to users (although it is expected that the money would be returned). Con questa prospettiva nasce la carta conto N26, una realtà creata per adattarsi alle tue attività giornaliere e a quelle di un freelancer o libero professionista. What is a N26 Business Account? You get a MasterCard that you can top-up and use for withdrawing cash at ATMs worldwide and making money transfers. Monzo and N26 are two exciting new banks offering well-featured current accounts, debit cards, mobile apps and a range of services designed for people with busy lifestyles. If business in multiple currencies is your main focus, Revolut is also a worthy alternative. La carta N26 Business Metal ti offre inoltre l’opportunità di ottenere un ritorno economico dalle tue spese: semplicemente utilizzando la tua Mastercard riceverai un cashback dello 0,5% su tutti gli acquisti effettuati in Europa. The N26 Smart and Business Smart plan costs €4.90/month. Those using it as their main account can make up to 5 free withdrawals in euros per month—just like customers with N26 You or N26 Business You. Essentially, N26 is a pioneer in modern banking – which means it can offer some useful advantages. Un altro aspetto importante relativo alla N26 Business Metal è la presenza di interessanti assicurazioni integrate nel canone mensile della carta. By digging deep into real customer reviews (particularly the negatives ones) we uncover the reality of using N26. With any bank, you can choose from different cards that often come with their own perks. 7 Things You Need to Know Before You Sign Up! Una volta entrato nell’app, ti comparirà sulla schermata principale in alto, il tuo saldo in euro e nella parte inferiore potrai evidenziare gli ultimi movimenti, con l’opportunità di controllare le operazioni anche nei mesi precedenti, grazie a una pratica barra di ricerca. Per questa ragione la richiesta per la carta è effettuabile direttamente dal tuo smartphone. This is cheaper than in other European countries, where it costs €9.90 (around £9) a month, because there it includes an Allianz travel insurance that at the moment is not available in the UK. There are no monthly fees. N26 Business can be chosen with any of the three main N26 products (N26 Standard, N26 You and N26 Metal). All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. I encourage you to read the full price list to compare the accounts for yourself, but here are the most important differences: Standard vs Black vs Business However, this means that you don’t get the travel and medical insurance that comes with N26 Black and N26 Metal, a truly impressive offering that we recommend combining with SafetyWing. Summary Wide availability Flexible options Complex fees and no guarantee on exchange rates 3.5/5 on Trustpilot Western Union may be top-of-mind for you, simply because they are everywhere and have been around for ever. From cash withdrawals at ATMs to international money transfers at exchange rates with very low fees, they have a lot to offer. ; You can earn interest after your savings. Track spending with the help of statistics, Web-version to enable viewing on desktop or another bigger device. Si vous optez pour un compte N26 Business You, les retraits en devises étrangères sont sans frais, et cela de façon illimitée. Basically whether you knew it or not – you were getting hammered with fees. If you are in Germany, Austria or Italy, you can top up using CASH26 deposit. We did a small comparison of USD/EUR rates, Interbank versus Mastercard, over a 2 week period in late 2017. These lockouts occur after sign-up and initial approval. ; You can send money to other N26 users instantly and for free. But now you have options and N26 is a leader. N26 is focused on delivering commonly used banking services, rather than the full range of options such as insurance, loans or unsecured lines of credit. Slow cards dispatch, ineffective customer service and blocked accounts are the main complaints. You can also send a money request to another user. Additionally, the app allows for more control than many customers have at standard banks. N26 uses the standard Mastercard exchange rates. shopping, restaurants). Nella pagina successiva ti verrà richiesto di stabilire l’importo in denaro e di accettare le condizioni contrattuali. A questo punto dovrai verificare se vi sono state transazioni non autorizzate e, nell’eventualità, comunicarle immediatamente al servizio clienti attraverso il supporto privato. But wait there’s more In many situations OFX is a clear…, 6 Things You Should Know Before You Sign Up Today, I will show you if XE is the right choice for you. However we find it is the negative reviews, particularly those on TrustPilot that often uncover a lot. Moreover, the account is easy to set up and the app is very user-friendly. Moreover, N26 like the alternatives listed here gives you more control over your money with the ability to switch off online foreign transactions, set monthly budgets and define your own overdraft limit on the app. The N26 Metal is the luxury card from N26, targeting business people who aim to show off their status with the N26 Metal card made from steel. Thanks to its lean organisational structure and fully online business model, N26 is able to keep its operating costs very low and transfer these savings to their customers. Mastercard SecureCode provides an added layer of security for fraud prevention. Non avrai limitazioni per ciò che concerne il plafond del conto e per il numero di operazioni che potrai effettuare in un mese. These fees are a core part of the standard banking business model. N26 works really well for international travellers. We’ve researched both businesses in detail so we can compare them and share the insight you need. You will receive your N26 MasterCard by post in a few days. Although if you transfer a lot of money or transfer frequently, then you might like to consider our “When it Doesn’t Work” section below. Once you’ve exceeded the limit of free withdrawals corresponding to your account, you’ll be … Revolut offers a better deal if you withdraw less than £/€1,333 per month abroad whereas N26 … Ces frais sont facturés dans les jours qui suivent. For foreign exchange, they have tied up with Wise (formerly TransferWise), Auxmoney for credit and Allianz and Clark for insurance. Moreover, you get 0.1% cash back on all purchases and free card payments worldwide. To figure out which one might be better for you check out “When it Works” below. Descrizione delle tariffe e dei vantaggi dei conti business di N26: conto standard gratuito e conto premium, entrambi associati alla Mastercard N26. N26 Bank alternatives N26 vs Revolut. As a leading digital bank, N26 removes costs and frustrating paperwork. Nel caso in cui ritrovi la carta, avrai la possibilità di eseguire la procedura in senso inverso e riattivare subito tutte le funzionalità del tuo conto. You can be up and running in just a few minutes. It is particularly useful for international travellers, self employed people and freelancers. #7 N26’s Fee Structure (Simplified) N26’s fee structure, which they call their Price List, is eight pages long and fairly dense, so here’s the important stuff. This bank is available for residents of Germany, USA, Ireland, Austria, Spain, France, Italy, Belgium, Netherlands, Finland, Luxembourg, Portugal, Slovenia, Greece, Estonia, Slovakia, Poland, Denmark, Sweden, Liechtenstein, Iceland and Norway. This internet-only, fully-licensed European bank offers most of the accustomed features, regulation, safety, and service of the regular banks, but in a lightweight mobile app. In order to open an account, you need a mailing address in one of the countries where N26 operates for them to send you your Mastercard. Il rilascio della carta è gratuito, mentre la eventuale carta sostitutiva ha un costo di 45 €. It provides access to the account overview via the N26 mobile and web app. 3) The €16.90 per month option (N26 Metal) has everything (N26 You) has with dedicated customer support. (paid accounts offer free ATM withdrawals in any currency worldwide). In quanto prodotto completamente smart potrai versare denaro sul conto anche utilizzando Apple Pay e Google Pay. These options are not immune from regulations and indeed have many of the same issues. N26 offers a range of features similar to your high street bank: You can see your spending categorized by the type of transaction (e.g. In questo modo non avrai necessità di portare con te la tessera, dato che potrai utilizzare il tuo smartphone per effettuare le transazioni. Other than that you won’t find much value that should convince you to opt-in for the N26 Metal. I bonifici in euro gratis e la presenza del cashback si applicano in modo uguale sia su N26 Business che Standard. Said regulation is aimed at protecting our users.”. N26. One of the exclusive benefits of a business account is that you get 0.1% cashback on all Mastercard purchases for N26 Standard and N26 You, and 0.5% cashback for N26 Metal.
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