N26 Business

Business banking for freelancers and the self-employed

Discover a free N26 business account that lets you manage your finances from your smartphone. Get your free Mastercard Business card, and start earning 0.1% cashback on your purchases. Open your N26 account in minutes, and start making mobile payments before your physical card arrives.

An elevated hand holding a transparent N26 Standard card.
N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

Go global with a Mastercard debit card

Make payments online or in-store anywhere in the world without fees and Mastercard’s best exchange rate. It’s one card for all your transactions – accepted worldwide.

Stay on top of business in real-time

Stay up to date. Get push notifications immediately after all account activity, including card payments, direct debits, and transfers.

N26 Bank Account real time notifications about payments.

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.

Earn 0.1% cashback

You’ll get 0.1% cashback for all your purchases when you pay using your N26 Mastercard and reinvest the profits straight back into your business.

Mastercard 3D Secured payments

Mastercard 3D Secure (3DS) is an extra layer of security that helps prevent fraud when making payments online using your N26 account.

No minimum deposit needed

You don’t have to deposit a certain amount or meet earning threshold requirements, so you can open a free business account even if you’re just starting out.

#Tag your transactions

#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.

Smartphone with the N26 Spaces open on it.

Spaces for your plans

Spaces lets you create sub-accounts for managing your saving goals and budget in real time. Perfect for organizing your business expenses or put money aside for your projects! Participate in shared sub-accounts to manage funds collectively, for example with your colleagues.

Shared Spaces

Easy money transfers in seconds

Immediately top up your N26 Business account through a debit card after signing-up, and use MoneyBeam to instantly send, receive and request funds from the other N26 users listed in your contact list.

Urgently need to get paid? With an incoming SEPA Instant Credit Transfer, your client can pay your invoice in seconds so you receive your money faster.

N26 Bank Account Moneybeam example transaction.

Automatic categorization. Get a breakdown of your spending

The N26 online business bank account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets—it’s all there in a clear overview in the app.

N26 Bank Account categorising transactions for statistics.

Print your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

Banking on the big screen

First, sign up to N26 using the mobile app. Then, you can use the web application to view your account from a desktop or other device.

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

We’re here for you. In several languages.

If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian.

Visit Help Center
N26 Bank Account Customer Service Chat in App.
Black N26 Business Metal card.

Get your N26 Business bank account.
It only takes 8 minutes.

Open a new N26 business bank account from your phone or computer in an easy, paperless signup process.

Frequently asked questions

What are Eligibility Requirements?

  • You will use the account primarily for business purposes.
  • You’re not already an N26 user.
  • You reside in a country where N26 operates: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia, Switzerland

Is N26 Business free?

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.

Should I open the account with my personal name or with my business name?

To sign up for N26 Business you have to use your personal name and last name. The N26 Business account is designed for self-employed and freelance users doing business under their own name. That means you can’t have your company’s name on the account or card.

Can I have a regular N26 bank account and an N26 Business account at the same time?

It’s possible to do business banking and spending with your N26 Business Mastercard and personal spending with your additional Maestro card on the same account. However, it’s currently not possible to have two separate N26 accounts at the same time.

How do I get my cashback on Mastercard purchases?

Since N26 Business is an online business bank account, you’ll receive your 0.1% cashback on all Mastercard purchases directly into your account. This will automatically be deposited on a monthly basis. You don’t have to take any additional steps!

What happens if I use my N26 Business account for personal spending?

The N26 Business bank account makes it easy to do personal spending on the same account if you have both the Mastercard and Maestro cards that are easily available from the app. As long as you use the Mastercard for business spending and the Maestro card for personal spending, you can continue to enjoy the many advantages of the account.