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 You customers get 1.5%* p.a. interest on their savings. Prefer 2.5%* p.a.? Choose N26 Metal.
Discover Instant Savings
Zero foreign currency fees
When it comes to business, the small fees can soon add up. That's why there are no fees on the card payments you make anywhere in the world and you'll get unlimited free ATM withdrawals abroad, in any currency.
An insurance package for work and travel
Go global thanks to an extensive insurance package from Allianz Assistance that includes coverage for travel delays, trip cancellation, trip interruption, and lost or stolen baggage. Plus, you’re also protected if you’re personally liable for damage to a third party or in case of a medical emergency — including emergency dental treatment — while you're traveling.
Free trades every month
With N26 You, get 5 free monthly trades for stocks and ETFs. It’s the simple way to invest in your future without having to leave your banking app. You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
Reinvest with 0.1% cashback
You’ll receive 0.1% cashback on any purchases made using your N26 Mastercard, calculated monthly and paid directly into your account.
#Tag your transactions
#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.
Real-time activity notifications
Stay up to date. Get a push notification immediately after all account activity, including card payments, withdrawals and transfers.
3D Secured payments
Mastercard SecureCode gives you an extra layer of security that helps prevent fraud when making payments online with your N26 Business You account.
An extra card to keep you moving
When it comes to business, small hiccups can cause serious delays. Order an extra card for your Business You account to make sure the cash keeps on flowing, even when you’ve misplaced your wallet.
Always get a breakdown of your spending
Your N26 Business You account comes with built-in artificial intelligence that automatically categorizes and labels your purchases, and displays these with a clear visual overview in the app.
Discounts on the tools you need
With brand-name partners like WeWork and Hotels.com, N26 Business You comes with a wide range of continuously updated offers and discounts to help your freelance business grow – whether you’re working at home or abroad.
Plan ahead with Spaces sub-accounts
Want to sort your income by clients, or budget for future expenses? Spaces sub-accounts are the perfect way to get organized. Get a unique IBAN for each sub-account, and set funds aside in seconds. Then set up standing orders for recurring payments, pay bills via direct debit, or send and receive SEPA transfers—right from each space.Working with a team? Share money with up to 10 others in a Shared Space. And to save even faster, try Round-Ups to save up the spare change whenever you pay by card.
Faster payments with MoneyBeam and SEPA Transfer
Top up your N26 Business You account through a debit card after signing-up, and send, receive and request money from other N26 users listed in your contact list with real-time MoneyBeam payments.Need to get your invoices paid as soon as possible? Get your hard-earned money into your account faster when your client uses SEPA Instant Credit Transfer – it only takes a few seconds.
Plus, more helpful features...
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.
Mobile or desktop
Manage your N26 account 24/7 from the mobile app or the N26 WebApp, using your browser of choice. Download your transaction history in CSV or PDF format along with your monthly bank statements whenever you want
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
Frequently Asked Questions
- You are over 18 and hold a valid form of ID (varies by location)
- You’re a freelancer or are self-employed (the account must be registered in your name, not your business’s name)
- You intend to use the account primarily for business purposes
- You’re not already an N26 user
- You reside in one of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia and Sweden.
N26 Business You is a premium membership bank account purely intended for freelancers and the self-employed. It has all the same benefits of N26 You, plus 0.1% cashback on purchases.
You may be eligible to open an N26 Business You bank account if…
You’ll receive your 0.1% cashback on all Mastercard purchases made directly into your N26 account automatically. This is calculated and deposited on a monthly basis. You don’t need to take any additional action!
N26 Business You comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, medical cover in case of emergencies abroad and much more.
No, it doesn’t have any foreign transaction fees. You can withdraw money for free worldwide, and pay anywhere Mastercard is accepted. With N26 Business You, you’ll never pay foreign currency fees and we’ll never charge you for withdrawing money.
N26 You is a personal account, not to be used for business purposes. 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. At the moment, it’s only possible to hold one bank account per person with N26.
How do Spaces sub-accounts work, and what can I use them for?
N26 Spaces are sub-accounts that sit alongside your main account, and are a practical way to organize your business finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in your N26 app, then easily set money aside for your taxes, future projects, savings goals, and more. Each space can have its own unique IBAN, which you can use to pay your business expenses via direct debit, or to get paid via SEPA transfers directly into a sub-account. Of course, you don’t have to add an IBAN to your space if you don’t need one—the choice is yours.
Working with a team? Simply open a Shared Space, and manage your business funds together with up to 10 other N26 customers. Please note that an IBAN can’t be added to a Shared Space for now—but stay tuned for more exciting updates to come! Learn more about N26 Spaces and all its features here
