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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Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.

Earning interest on your savings

No deposit limits, straightforward conditions, and complete flexibility. Discover N26 Instant Savings, the accessible savings account available in the N26 app at no additional cost. N26 Smart customers enjoy 2.8%* p.a. interest on their savings. Rather get 4% p.a.? Upgrade to N26 Metal.
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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.

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 5 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.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

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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N26 You Timeline Feature in App.

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.
image of two N26 subaccount showing the "main account" and "Taxes" spaces to budget money.

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.
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

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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N26 Metal - Charcoal Black.
N26 You card, Petrol.
Transparent N26 Standard card.

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.
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*Deposits on the N26 savings account are remunerated at the gross annual nominal rate of 4% for the N26 Metal account, 2.8% for the N26 Standard, N26 Smart and N26 You accounts, including personal and business accounts. Prices are subject to change at any time by N26. The offer is provided under the German law. No key information or other legally prescribed documents are available for these accounts. For customers in Belgium, more info here.

FAQ

  • What are the advantages of the N26 Business Smart bank account?
  • I am a freelancer: why should I open a bank account with N26?
  • How do I open an N26 Business Smart account?
  • Can I open an N26 Business Smart account for my company?
  • How do I get my cashback on Mastercard purchases?
  • Can I use my N26 Business Smart account for my personal expenses?