N26 Business Smart

The new business bank account for freelancers

Discover a new way to do business banking, right from your smartphone. Unlock powerful features to better manage your money, and enjoy 0.1% cashback on all card purchases.
Open a Business Smart account
Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.

Your colorful Mastercard debit card

Define your personal brand with an eye-catching Mastercard debit card in your choice of color—Ocean, Sand, Rhubarb, Aqua or Slate. Get 5 free ATM withdrawals every month, free payments in any currency, and zero foreign transaction fees while spending on business trips abroad. Stay flexible with mobile payments, and start using your card before it arrives in the mail.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

Earn 0.1% cashback

It pays to spend with N26 Business Smart. Get 0.1% cashback on all purchases when you pay with your business Mastercard—and reinvest these profits right back into your business. Your cashback gets automatically deposited into your bank account every month—it’s easy!
Open a Business Smart account
N26 You Timeline Feature in App.

Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Smart customers get 2.8%* p.a. interest on their savings.  Prefer 4%* p.a.? Choose N26 Metal.
More about the Instant Savings account
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2.8% p.a. interest rate, balance in the main account, and in the savings account.

N26 Business Smart, packed with benefits

Statistics

All transactions in your N26 account are automatically categorized into a monthly overview. It’s the ideal way to learn from your spending habits and optimize your business expenses.

N26 Rules for easier saving

Putting money aside for taxes, or office furniture? Saving is easier with N26 Rules. Set up a rule, and automatically transfer money between your main account and sub-accounts.

100% mobile banking

N26 Business Smart is a business bank account that lives on your smartphone. Manage your money anytime and anywhere, on your phone or through the N26 WebApp.

Tax refunds and invoices made easy

Need to access your statements for the tax man? Download transactions lists in PDF or CSV formats—all easily accessible via the WebApp on your desktop.

Organize your finances with Spaces sub-accounts

Create up to 10 Spaces sub-accounts with IBANs in seconds, and instantly set money aside from your main account. Then create standing orders for recurring payments, pay bills via direct debit, send and receive SEPA bank transfers, or get paid from clients—right into each sub-account.Splitting business expenses with co-workers? Manage funds with others in a Shared Space. And if you're saving for your next project, try Round-Ups—we’ll help you save up the spare change whenever you pay by card.
Open a Business Smart account
image of two N26 subaccount showing the "main account" and "Back to college" spaces to budget money.

Get incoming payments in a flash

Your N26 Business Smart account supports incoming SEPA transactions. This means that you’ll receive incoming SEPA payments in real time, without having to wait days for the money to appear in your account. You can also use MoneyBeam to send, receive and request money from other N26 customers instantly.
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Banking safely.

3D Secure

Add an extra layer of protection to your online purchases with Mastercard 3D Secure—an advanced two-factor authentication step.

Push notifications in real time

Receive alerts on your smartphone after each transaction, and get notified immediately when you receive payments from clients.

Biometric authentication

Thanks to fingerprint authentication or facial recognition, you can login to your account in seconds and prevent unauthorized access attempts.

Deposit protection up to €100.000

N26 is a fully licensed bank, so any funds that you deposit in your account are protected up to €100.000 by the German Deposit Protection Scheme.

Partner offers for you and your business

Get access to special partner offers that make your life easier. Enjoy deals and discounts from world-renowned brands from the likes of Google Ads or Fiverr.
woman pointing a sign in a magazine page.

Customer Support via phone and chat

Whatever your need, our Customer Support team is always on-hand to help you in English, French, German, Spanish and Italian. If you’ve run into an issue or have a question, simply reach our specialists directly via the in-app chat, visit the N26 Support Center to quickly find answers to your questions, or give us a call on the premium customer support hotline.
Open a Business Smart account

The business account on your smartphone

Open your N26 Business Smart bank account, directly on your phone or through the N26 website. Sign up only takes a few minutes—just make sure you have your smartphone and a valid form of ID handy.N26 Business Smart costs €4.90 per month. Upgrade to benefit from 0.1% cashback, up to 10 Spaces sub-accounts, automatic categorization of spending, and special partner offers.
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Open a Business Smart account

FAQs

  • Which perks will I receive with the N26 Business Smart account?
  • Do I need a business account if I’m a freelancer?
  • How can I open an N26 Business Smart account?
  • Can I open a business account in the name of my business?
  • How does cashback work with the N26 Business Smart bank account?
  • Can I have a personal and business account at the same time?
  • What happens when I use my N26 Business Smart account for personal expenses?
  • What are Spaces and Shared Spaces, and how do they work?
  • How do Spaces sub-accounts work, and what can I use them for?

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. ** The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.