N26 Business Smart

The clever business bank account for freelancers

Experience business banking directly on your smartphone, and tap into powerful features to better manage your finances. Plus, enjoy 0.1% cashback on all purchases made with your N26 Mastercard.

Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

A colorful Mastercard with benefits

Pick a Mastercard debit card in the color that best represents your brand—Ocean, Sand, Rhubarb, Aqua or Slate. Get 5 free ATM withdrawals in Germany each month, unlimited free ATM withdrawals when you’re on business trips in the Eurozone, plus zero foreign transaction fees for payments in other currencies. Simply enable mobile payments, and start spending with Apple Pay or Google Pay while your physical card is on its way.

0.1% cashback on all card purchases

Invest in your business with N26 Smart. Earn 0.1% cashback on all purchases made with your business Mastercard, and have it automatically deposited into your bank account every month. That’s what we call smart business banking.

N26 You Timeline Feature in App.

Smarter business banking is here

Track your expenses

Get a handy overview of all incoming and outgoing payments every month with Insights. The AI-powered tool automatically categorizes your transactions—a single glance is all it takes to know if you’re on track with your business budget.

Automatically set money aside

Set it and forget it with Rules for Spaces sub-accounts. Create Rules to automatically transfer funds between your main account and your Spaces sub-accounts—every day, week, fortnight, or month.

Bank anywhere, at anytime

N26 Business Smart is a 100% mobile business bank account that you can access on your smartphone or desktop. Forget waiting in line at a bank branch for hours—get your time back with convenient, digital business banking.

Invoices and tax reports made easy

Simply download your bank statements in PDF or CSV formats using the N26 WebApp on desktop. Browse through transactions directly in the app, create and add your own #hashtags to every transaction, and easily find them later.

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

Organize your finances with Spaces

Whether it’s for an upcoming tax payment, your savings goals or business expenses—effortlessly organize your finances with 10 Spaces sub-accounts. Create a space in just a few taps, give it a name, then move money between your main account and spaces as often as you like. With Shared Spaces, you can easily manage expenses together with business partners and co-workers. And to save up even faster, you can round-up your card purchases to the nearest euro, and transfer the difference to a space.

Discover Spaces

Get paid faster with MoneyBeam and SEPA transfers

Waiting for an invoice to be paid? Receive incoming payments in seconds when your client pays with SEPA Instant Credit. Or, request, send and receive money from other N26 customers instantly with MoneyBeam.

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

Secure business banking

Mastercard 3D Secure

Enjoy peace of mind with Mastercard 3D Secure—the 2-factor authentication step that adds an extra layer of protection to your online card transactions.

Instant push notifications

Stay up-to-date with your business finances, thanks to real-time alerts on your phone after every transaction—for both outgoing and incoming payments.

Biometric identification

Add another layer of security to your business banking by using FaceID or fingerprint identification to log in.

Deposit guaranteed up to €100,000

As a fully licensed bank, your funds are protected up to €100,000 under the German Deposit Protection Scheme.

woman pointing a sign in a magazine page.

Treat yourself with N26 Perks

Enhance your work-life balance with a hand-picked selection of partner offers, designed with you and your business in mind. Propel your business forward with special discounts for tools such as Google Ads and Fiverr, or add to your everyday with an ever-changing selection of lifestyle discounts from the likes of Blinkist and Lime.

Phone and live-chat customer support

Whatever your query or need, our customer support is always happy to assist you—whether in German, English, French, Spanish or Italian. Contact us via the in-app chat, or browse through the N26 Support Center to find answers to the most frequently asked questions. Prefer to speak to a real human being? No problem—just give us a call on the N26 Customer Support hotline, reserved for our premium customers.

N26 You Business Card, Ocean.

Your online business bank account

Open your N26 Business Smart euro account for only €4.90 per month, and start earning 0.1% cashback on all card purchases.

Sign up from your desktop or smartphone in just 8 minutes to get immediate access to your intelligent business banking features—no paperwork required.


Do I have to open my business bank account with my own name?

Yes, you must use your first and last name in order to open an N26 Business Smart bank account. The N26 Business Smart bank account was designed for freelancers and the self-employed who offer their services in their own name—that means the name of your business will not be shown in your bank account or on your Mastercard.

How do I open an N26 Business Smart bank account?

To open your N26 Business Smart account, you must meet our eligibility criteria. If you do, you can open your account in just a few minutes using your smartphone or the N26 WebApp on desktop. Opening your bank account doesn’t require any paperwork. You can start using your account right away once we have verified your identity.

You can find more information on how to open an N26 Business Smart account at our Support Center.

Wie erhalte ich Cashback für Einkäufe mit der N26 Mastercard?

With N26 Business Smart, you’ll earn 0.1% cashback on all your Mastercard purchases. Your cashback will be automatically calculated and deposited into your N26 Business Smart bank account on a monthly basis—you don’t need to do a thing.

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

No. It currently isn’t possible to have two N26 bank accounts with the same name. If you have a personal N26 account and want to open an N26 Business Smart bank account, you will first need to close your personal N26 bank account. You may then sign up for an N26 Business Smart bank account.

What are Spaces and Shared Spaces? How can I use them?

Spaces are sub-accounts that sit next to your main account. With Spaces, you can easily manage your finances and organize your savings. Create up to 10 Spaces in your N26 app, and simply drag-and-drop to move money between your main account and your Spaces sub-accounts. Spaces are also handy for putting money aside for upcoming expenses, such as future tax payments.

With Shared Spaces, you can manage shared expenses or join together to reach a savings goal as a group—simply invite up to 10 other N26 customers to your Shared Space. Each customer will then be able to add or withdraw money from the Shared Space. And now with Round-up rules, you can have your card purchases rounded up to the nearest euro, and get the difference automatically saved in a space of your choice.

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

Since N26 Business Smart is a business bank account, you’re expected to use it mainly for business-related purposes. You may, however, still use it for personal spending, as long as these do not make up the majority of your transactions. You may also use your account to receive your income from clients, or for business-related spending, such as paying the rent or on business trips.

Is N26 Business Smart a euro account?

Yes. The N26 Smart account is a euro account. This means that you’ll see your balance in euros. However, you can make payments in other currencies without having to worry about fees.