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Business banking for freelancers and self-employed

N26 Business Smart

Your business finances, managed directly from your phone? Yes, really — in real-time and with financial tools to make your professional life simpler. Run your business with confidence, and get 0.1% cashback on all purchases made with your N26 card.
Open your new N26 Business Smart account today for just €4.90/month.
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Earning interest on your savings

No deposit limits, straightforward conditions, and complete flexibility. Discover N26 Instant Savings, the non-regulated and accessible savings account available in the N26 app at no additional cost.

More about the Instant Savings account
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A N26 Business Smart card — in full color

Take your pick of 5 colors for your Mastercard debit card — Ocean, Rhubarb, Sand, Aqua, or Slate. Plus, get unlimited free foreign payments and 3 ATM withdrawals for free within the eurozone every month. Add your card to your virtual wallet and start using it even before your physical card arrives, thanks to fully enable mobile payments.
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Earn cashback when you spend

When you make purchases with your N26 card, you’ll receive 0.1% cashback every time — without lifting a finger. Your cashback is deposited into your N26 Business Smart bank account automatically every month. It’s never been easier to reinvest in your business.
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Your business finances, streamlined and simple

Track business expenses

Let the Statistics feature automatically categorize your spending, so you can get a clear overview of your business financial health.

Manage settings on the go

Stay on top of your business bank account without missing a beat. Adjust any of your N26 card settings directly from the app, and keep up with your account activity as it happens.

Set aside funds with Rules

Need to dedicate money to certain purposes or projects? Use N26 Spaces sub-accounts and automated Rules — you decide how much to set aside and how often, and we'll handle the rest.

Get ready for tax time

Download your account history in PDF or CSV formats from the desktop WebApp to make tax season less stressful. And to get even more organized, label your transactions with personalized hashtags.

Build towards your business goals

Your N26 Business Smart account comes with up to 10 Spaces — sub-accounts that you can dedicate to different projects or purposes, like office plants or future tax returns. Simply create a Space, set a goal, and drag and drop funds over from your main account. To save even more, try the Round-Ups feature to round your card purchases up to the nearest euro. We'll automatically deposit the difference into a Space of your choosing.
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Move money instantly

All your transactions can happen within your N26 app, from one-off SEPA or international transfers to regularly scheduled direct debits. Need to pay your employees? If they're also N26 customers, send an instant MoneyBeam transfer — and immediately check one more thing off your to-do list.
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A business bank account with serious security

Online purchase protection

Thanks to Mastercard 3D Secure, an advanced two-factor authentication process, purchases that you make online with your N26 card are fully secured.

Real-time account notifications

Get smartphone alerts about your account activity, like immediate payment notifications when your clients settle their invoices.

Biometric log-in process

Use your fingerprint or face to sign in — it's part of how we keep your banking information secure and your business funds safe.

Up to €100,000 protected

Since we're a European bank with a full banking license, your funds are protected up to €100,000 under the German Deposit Protection Fund.

Boost your business with partner offers

Indulge in N26 Perks that sweeten the deal, including a whole range of lifestyle discounts from partners like Blinkist, Mubi, and Lime. Or take advantage of tools like Google Ads and Fiverr to build, manage, and grow your business — perfectly suited to freelancers and the self-employed.
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Our team is here to help

Being self-employed isn't always easy, but our customer service specialist are there for you. If you run into a problem or have questions, simply get in touch with us via the live chat in your N26 app, or call our dedicated customer hotline. Don't have time to pick up the phone? Search our Support Center for clear answers to your FAQs.
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Your business bank account in minutes

Open your N26 Business Smart bank account for just €4.90 per month. Enjoy immediate access to intuitive business banking features, and get 0.1% cashback on all your card purchases.
Open your account from your desktop or smartphone in minutes, without any paperwork.

FAQ

  • N26 Business Smart is a bank account for freelancers and the self-employed. It comes with a colorful Mastercard debit card, and intuitive features to help you easily manage your business finances. With Statistics, get an automatic categorization overview of your spending in a handy overview, and create up to 10 sub-accounts with Spaces—including Shared Spaces to save money with other N26 users. Get free withdrawals from ATMs in the Eurozone and enjoy free payments in any currency around the world. You also have access to exclusive partner offers and discounts, and a priority Customer Support hotline. See our Terms and Conditions for full details.
  • N26 Business Smart is a bank account that’s designed for freelancers and the self-employed. This account is in your personal name and can’t be in the name of your business. If you’re self-employed, it helps to separate your personal and business finances and with N26 Business Smart, you can do this from anywhere—directly from your smartphone or the WebApp on your desktop.
  • To open an N26 Business Smart bank account for freelancers, you must meet our eligibility criteria. If you do, open your bank account from our website or by downloading the N26 app on a compatible smartphone. The opening of your business account takes minutes, and is done without paperwork. Once you've verified your identity, your business bank account will be ready to use. For more information on opening an N26 Business Smart bank account, as well as the documents you need, visit our Support Center. If you already have an N26 Business account, you can directly upgrade to an N26 Business Smart account from the N26 mobile app.
  • To open an N26 Business Smart account, you must use your personal first and last name. This business bank account is designed for freelancers and the self-employed who conduct business operations under their own name. This means that your company name cannot appear on the N26 Business Smart account or card.
  • With N26 Business Smart, you receive 0.1% cashback or cashback on all purchases made with your N26 card. Your discount will be automatically calculated and paid into your N26 Business Smart account every month. No further action is necessary from your side.
  • N26 Business Smart is the bank account for self-employed entrepreneurs and freelancers, therefore, you should use it mainly for business purposes. However, you can also use it for private purposes as long as they are in the minority compared to your business expenses. You can also use it to receive payments from clients and for expenses related to your business activity, such as business travel or paying rent for your office.