N26 Business

The business account for freelancers and self-employed

N26 Business is the free bank account for business owners, freelancers, and the self-employed. Get 0.1% cashback on all your purchases, and use your card to make worldwide payments without a fee. Plus, mobile payments are enabled even before you've got your physical card in hand. Start today — opening your account takes just minutes.
Open Bank Account
N26 banking app for freelancers showing a virtual mastercard on a light green background.

Earning interest on your savings

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 2.8%* p.a. interest on their savings. Prefer 4% p.a.? Choose N26 Metal.
More about the Instant Savings account
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 free N26 Mastercard for your virtual wallet

Add your virtual N26 Mastercard to your Apple Pay or Google Pay when you open your business account, and immediately get started with secure contactless payments online, in person, and in apps. Want a physical card for your regular wallet? Order a plastic debit Mastercard and only pay the one-time €10 delivery fee.
Business virtual card.

Earn 0.1% cashback with your N26 card

Get 0.1% cashback on all purchases made with your N26 Mastercard, and reinvest your savings back into your business. We automatically calculate your cashback for you each month and deposit it right into your account.
Business cashback.

Stay updated in real-time

Stay informed about changes to your account balance as soon as they happen. Receive push notifications whenever money leaves or enters your account, so you’re always in the loop about which invoices have been paid or which scheduled payments have gone out. Plus, try our MoneyBeam feature for instantly sending, receiving, and requesting money from other N26 customers at no extra cost.
Instant payment.

Organize your business expenses

No hidden fees

Your free business bank account has zero surprise fees — no minimum deposit threshold, no recurring monthly fees, and no other hidden costs.

Mastercard SecureCode - Icon - N26 Security

Top-level security

N26 uses biometric recognition and multifactor authentification with Mastercard 3D Secure. That means that no one else gets access your account.

Make accounting easier than ever

Tag your transactions with custom categories and keep track of #TravelExpenses #IndependentProjects, or anything else you need for your work.

Up to €100,000 deposit protection

N26 has a full European banking licence, so our customers' deposits are protected up to €100,000 by the German Deposit Protection Scheme.

Manage your money seamlessly with Spaces

Say hi to N26 Spaces: up to 10 personalized sub-accounts that help you save, budget, and spend. Create your Spaces alongside your main account and easily set funds aside for emergencies, projects, and more.Set up automated Rules to move money into certain Spaces as and when you need — no need to do it manually every time. Plus, use the Round-Ups feature to save spare change by rounding up your card purchases to the nearest euro and tucking the difference safely away into your Space of choice.

Download your statements

Make your life easier at tax time — download and print your account statements and transaction history at any time.

Bank online with the WebApp

Make your life easier at tax time — download and print your account statements and transaction history at any time.

N26 Business Metal — a bank account made for your business

N26 Business Metal is our most premium account, designed for business owners, freelancers, and the self-employed. Get 0.5% cashback on all your purchases, an expanded insurance package, exclusive partner offers, a stainless-steel Mastercard in your color of choice, and more.
Upgrade to N26 Business Metal

Get help in your language

Signing up takes minutes. Get a new N26 business bank account with our simple, paper-free process — right from your phone or computer.
Visit our Support Center
N26 Bank Account Customer Service Chat in App.
N26 You card, Rhubarb.
The N26 virtual card.
N26 You card, Petrol.

Open your N26 Business bank account.

Signing up takes minutes. Get a new N26 business bank account with our simple, paper-free process — right from your phone or computer.
Open Bank Account

Frequently asked questions

  • What are the benefits of the free N26 Business Standard bank account?
  • What are Eligibility Requirements?
  • Should I open a bank account for my business?
  • Is N26 Business free?
  • Can I open my N26 Business Standard bank account in the name of my company?
  • How do I get my cashback?
  • Can I have a N26 personal bank account and a N26 Business bank account?
  • Can I use my free N26 Business Standard bank account for my personal expenses?

*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.