https://n26.com/en-de/instant-payments
Moneybeam should be free. Instant sepa is 49 cents for standard plan, free for all premium plans. So if you really send instant sepa multiple times per day you can always get N26 smart for €4.90 per month.
Well, good question. I would like N26 to answer this as well. Why the hell they won't have option to do ACH transfer out of my account.
Do me a favor, go to N26 US website and see if you find anywhere a mention of how to transfer money out of your account other than spending it using debit card.
Here I will like the website for you: https://n26.com/en-us