N26 Business Standard

Free business bank account for self-starters

Discover 100% mobile banking for your business. The N26 Business Standard account is a free business bank account that you can easily access from your smartphone or desktop. This euro account includes a virtual N26 Mastercard, free ATM withdrawals, 0.1% cashback, and more!

N26 banking app for freelancers showing a virtual mastercard on a light green background.

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

Business virtual card.

Your virtual N26 Mastercard

Immediately after opening your free business bank account, you’ll receive your virtual N26 Mastercard. You can then link this N26 Mastercard to your virtual Wallet using Google Pay or Apple Pay, and start making payments in just a few taps—whether in an app, in stores, or online.

If you’re a fan of the traditional bank card, you can easily order a physical Mastercard from the app for just a €10 delivery fee.

The free business bank account with cashback

With N26 Business Standard, get 0.1% cashback for every purchase you make using your virtual N26 Mastercard—we’ll transfer this amount back into your free business bank account every month.

If you decide to go premium, you can save even more spare change with Round-Ups. This feature rounds up every purchase you make to the nearest euro, and stashes the difference away in the space of your choice.

Business cashback.

Transparent and secure

No hidden fees, ever

Your free business bank account at N26 is exactly what we say it is—100% free. You’ll never be charged monthly maintenance costs, and there are zero hidden fees.

Secure online shopping

For online purchases, we’ve got you covered—twice—thanks to Mastercard’s 3D Secure 2-factor authentication.

Push notifications in real time

You’ll receive a push notification after every transaction, no matter whether it’s an incoming payment, direct debit, or an ATM withdrawal.

Deposit insurance

N26 is a fully licensed bank. Under EU law, your money is insured up to €100,000 by the European Deposit Protection Fund.

Instant payment.

Instant incoming payments with SEPA

Get paid into your free business bank account instantly. If the sender selects a SEPA Instant transfer, the transferred amount will be reflected on your account in just a matter of seconds.

And payments are even easier with MoneyBeam—the special N26 feature that lets you receive, request, or make an online transfer to other N26 customers in seconds, absolutely free!

Learn about Instant payments

Save even more money with Spaces

Take your business to the next level with N26 Business Smart, one of our premium options for managing your business finances. With Business Smart, get 10 Spaces sub-accounts—these sit alongside your main account, and let you set money aside regularly with features like Rules and Round-Ups.

Sharing living expenses? Try Shared Spaces, which lets you manage money together with up to 10 other people.

Go premium to unlock 10 Spaces

Online banking that suits your needs

Hashtags for your transactions

You can find your transactions more easily by labeling them with a hashtag. For example: #ProjectJones, #taxes, or #summertravel!

Web and mobile access

Whatever your preference, you can access your free business bank account on the mobile app or N26 WebApp.

View your spending with Statistics

Not sure where your money goes every month? Statistics automatically tracks and categorizes your spending so you can budget like a pro.

Account statements and transaction lists

Download your transaction list easily via the N26 WebApp in CSV or PDF format. Account statements are also available for download directly in the mobile app.

Customer Support in 5 languages

Whatever canton you live in, we’ve got an expert who speaks your language. Our Customer Support specialists speak German, French, Italian, English, and Spanish. No matter whether you’ve got technical questions or you’re uncertain about a transfer, we’re more than happy to assist. Contact us via the in-app chat function, or find answers to frequently asked questions in the Support Center.

Visit our Support Center
Transparent N26 Standard card.
N26 Business Card.
N26 You Business Card, Ocean.

Your free, flexible business account

Banking should be simple. Manage your business’s finances all in one place—matter where in the world you are—with N26 Business Standard account. Best of all, it’s absolutely free. We also offer N26 Business Smart—the premium account that lets you spend and save more confidently. See our account comparison page to find the plan that’s right for you.

Frequently asked questions

Do I need a business account if I’m a freelancer/self-employed individual?

We recommend that freelancers and self-employed individuals open a business account. This is a great way to separate your commercial finances from your personal finances, which, in turn, simplifies tax issues.

The free business bank account from N26 is a flexible business account that you can set up in under 8 minutes and can manage 100% from your smartphone.

Is N26 Business free?

N26 Business is free to open online with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or self-employed.

What are the benefits of the free business bank account from N26?

You get 0.1% cashback for all the payments you make with your N26 Mastercard. Also, you’ve always got a complete overview over your balance thanks to both real-time push notifications and the Statistics feature. With your virtual N26 Mastercard, shop online, in apps, and in stores. Make ATM withdrawals in euros up to 3 times per month, free of charge. Your Business Standard account supports incoming SEPA instant credit transfers. Plus, use MoneyBeam to send and receive money from other N26 customers instantly.

How do I open a free business bank account with N26?

It’s easy! First, make sure that you meet the requirements. Then download the N26 mobile app or open the N26 WebApp on your computer to initiate the registration process. We’ll have to verify your identity so please have a valid ID on hand. The whole process only takes a few minutes!

What are Eligibility Requirements?

  • You will use the account primarily for business purposes.
  • You’re not already an N26 user.
  • You reside in a country where N26 operates: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia, Switzerland

Do I have to register with my own name or with my business name?

You can only open the free business bank account under your own name, not under your company name.

How can I withdraw money with the N26 Mastercard?

You can withdraw euros in Switzerland or the Eurozone three times a month free of charge. If you’d like to withdraw Swiss francs or another currency (apart from euros), we charge a 1.7% foreign currency withdrawal fee.

How do I get cashback?

Automatically! We calculate 0.1% cashback on every purchase you make using your N26 Mastercard, and deposit it onto your free business bank account every month—you don’t have to worry about a thing!

Can I also use my free business bank account for personal expenses?

The free business bank account is primarily intended for commercial finances so it’s a good idea to mainly use it for that purpose. You can use it for personal expenses on occasion, but these shouldn’t be the majority of your transactions.

Can I have both a free business bank account and a private account with N26 at the same time?

No. You can only ever have one bank account with N26 at a time. So, if you already have a private account with us and would prefer to have a free business bank account, then you’d first have to close your private account. After that, you can open your free business bank account in a matter of minutes.