For freelancers and the self-employed

The free business bank account for self-starters

Discover a fully mobile banking experience for your business, thanks to N26 Business Standard. Open your account in minutes, directly on your phone, and start getting 0.1% cashback on all purchases using your virtual N26 Mastercard.
Get Business Account
N26 banking app for freelancers showing a virtual mastercard on a light green background.

Go global with a Mastercard debit card

Open your free business account with N26, and get a free virtual Mastercard to spend with right away. Link it to your mobile wallet with just a few taps and use it wherever contactless payments are accepted—in stores, apps, online, and even NFC-enabled ATMs. You’ll even get free ATM withdrawals.Prefer a solid piece of plastic? Order a physical N26 Mastercard directly in the app for a €10 delivery fee.
Business virtual card.

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 Standard customers get 1.3%* p.a. interest on their savings. Prefer 2.5%* p.a.? Choose N26 Metal.
Discover Instant Savings
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 1.7% p.a. interest rate, balance in the main account, and in the savings account.

Stay on top of business in real-time

MoneyBeam lets you send, receive and request money from other N26 customers with just a few taps in the app—and all in seconds!Your free business bank account also supports SEPA Instant Credit Transfers, which means you could be getting paid in just a matter of seconds if your clients select this payment option.
Instant payment.

Stocks and ETFs the simple way

How about investing in your future without having to leave your banking app? With N26, you can buy stocks and ETFs right from your phone. Get 15 free trades every month when you upgrade to N26 Metal — and 5 with N26 You.You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
Gymnast wearing color teal clothes and holding a mobile showing investments. In the foreground there is a pop with the Stocks and ETFs balance.

More than a free business bank account

0.1% cashback

Spend money to make money—for every purchase with your N26 Mastercard, you’ll receive 0.1% cashback that we’ll deposit into your account every month.

Notification Icon in teal

Push notifications

N26 offers instant push notifications so you’ll always know when funds enter or leave your free business bank account.

Personalized hashtags

Curious about specific expenses? Create your own hashtags and assign them to your transactions so you can see exactly where your money is going.

Insights

View your overall monthly spending at a glance. Insights automatically categorizes your spending, helping you optimize your budget.

Reach your savings goals with Spaces

Premium N26 customers have access to Spaces—sub-accounts that sit alongside your main account, and make saving money as simple as dragging and dropping it over. Set a goal for a big project or work trip, and start saving right away.Automate your savings with Rules, and create recurring transfers to avoid having to lift a finger again. Collect spare change with Round-Ups, which rounds up every card purchase to the nearest euro, then stashes the difference away in a space.
Icon for security in Teal

Relax knowing your business is secure

Thanks to Mastercard 3D Secure, your online payments are protected with two-factor authentication. Enjoy an advanced level of security thanks to biometric verification via fingerprint or facial recognition, making sure no one can access your account without consent.

Deposit protection

N26 is a fully licensed European bank. This means that the balance of your free business bank account is insured up to €100,000.

Invest in yourself with N26 Business Metal

Discover our most premium account with 0.5% cashback on all purchases, fee-free payments in all currencies, and a travel, lifestyle and mobility insurance package for extra peace of mind.
Get N26 Business Metal

Our Customer Support is here for you

Whatever you need help with, you can find it in the Customer Support Center. Read up on opening an account or upgrading to premium, or speak directly with one of our Customer Service specialists. Alternatively, contact us directly via the chat in your N26 app. Our experts speak English, German, French, Spanish, and Italian and are happy to assist you.
Visit our Support Center

Business account for freelancers—N26 Business Smart

Take your business further. Enjoy phone support, 0.1% cashback on all purchases and free withdrawals at ATMs in the Eurozone. Create up to 10 Spaces sub-accounts, and find a better way to save together with business partners, thanks to Shared Spaces. It’s the ideal solution to managing business expenses, taxes, savings and budgets easily.
Get N26 Business Smart

Desktop access via N26 WebApp

Prefer to use your desktop? No worries. You can access your free business bank account on your computer via the N26 WebApp.

Transaction lists and balance statements

Tax time? Easily download your transaction list from the N26 WebApp. Balance statements can also be found and downloaded directly from the N26 app.

n26 standard card.
n26 metal card.
n26 you card.

Open your free business bank account

At N26, signing up to a business bank account only takes a few minutes. As a premium customer, get access to additional innovative features, higher cashback, and extensive insurance. Discover our plans and the benefits they offer, and choose a bank account that’s perfectly suited to your business.
Get Business Account

Frequently asked questions

    You can easily open your free business account N26 Business Standard through the N26 mobile app or WebApp. All you need is a few minutes and a valid form of ID. But first, please make sure you meet the requirements for opening a free business bank account with N26. Learn more about the requirements here.

    N26 Business Standard customers get access to streamlined features that let them manage their business’s finances all in one place. Instantly get a virtual N26 Mastercard to use with your smartphone, and start making payments right away. View Insights to track your monthly spending at a glance, broken down by category—and even create your own hashtags for a more thorough overview. Get instant push notifications so you always know when money is going in or out of your account—and with SEPA instant credit transfers, get paid even faster. Relax with top security features like Mastercard 3D Security and deposit protection up to €100,000. You can access all these features any time, anywhere, from your mobile phone, desktop, or other supported device.

    It’s generally recommended to separate your personal finances from your business funds. Not only does it make your tax returns easier, but it gives you a better overview of your financial situation. With N26, you can open a free business bank account in just a few minutes to manage your finances, wherever you are.

    Yes, you need to open your N26 account using your own first and last name, rather than a company name. We developed N26 Business Standard with self-employed people and freelancers in mind, most of whom offer their services under their own name. That’s why it’ll be your name that is shown on the account and your Mastercard, and not the name of your business.

    For every purchase you make with your N26 Mastercard, we’ll give you 0.1% cashback, adding up and transferring the amount to your account every single month. It’s fully automated—you don’t need to do anything from your side.

    Each individual can only have one account with N26. If you already have a private online account at N26 but prefer to have a business account, you will first need to close your existing N26 account. Afterwards you can open your free business account in just a few minutes.

    The free business account is primarily meant to be used for business finances. You can still use it for personal expenses if you need to. This is not a problem, as long as they don’t make up the majority of your expenses.

    N26 Business is free to open online with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or you’re self-employed.

*N26 Instant Savings account interest rates are based on your main N26 Membership: 1.3% p.a. for Standard and Smart, 1.5% for You, and 2.5% p.a. for Metal (before taxes), as of 8.11.2024. Please note that rates per membership are variable and can be changed by N26 over time. ** The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

Related posts

These might also interest you
A man with tattooed arms typing on a computer on a white table with sunglasses, wallet, notebook, and iPad.

What is freelancing and how does it work?

New to freelancing? Let us guide you through the intricacies of setting up as a freelancer and what you can expect after making the switch.

a freelancer working on a table.

10 in-demand types of freelance jobs you can land tomorrow

What freelance skills do you need to make it in the gig economy? Here’s a list of the most popular types of freelance jobs that you should consider.

Budgeting for freelancers.

Budgeting for freelancers: a how-to guide

Irregular freelance income makes budgeting difficult, but also essential. Check out our guide to budgeting for freelancers to help build a budget that works for you.