N26 Business

N26 Business is a free* euro account for freelancers

N26 Business is the free euro bank account for freelancers and the self-employed. Earn 0.1% cashback on all purchases you make, and enjoy free card payments worldwide. Open yours in minutes, and start making mobile payments before your physical card arrives.

An elevated hand holding a transparent N26 Standard card.

Your euro account with Mastercard debit card

Get your business euro account and make payments online or in-store anywhere in the world without fees at Mastercard’s best exchange rate. It’s one card for all your transactions—accepted worldwide.

N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.
Smartphone with the N26 Spaces open on it.

Spaces for your plans

Spaces lets you create sub-accounts for managing your saving goals and budget in real time. Perfect for organizing your business account and expenses, or for putting money aside for your projects! Plus, you're able to participate in shared sub-accounts to manage funds collectively, for example with your colleagues.

Shared Spaces
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Earn 0.1% cashback

You’ll get 0.1% cashback for all your purchases when you pay using your N26 Mastercard and reinvest the profits straight back into your business.

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Mastercard 3D Secured payments

Mastercard 3D Secure (3DS) is an extra layer of security that helps prevent fraud when making payments online using your N26 account.

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No minimum deposit needed

You don’t have to deposit a certain amount or meet earning threshold requirements, so you can open a free business account even if you’re just starting out.

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#Tag your transactions

#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.

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

Stay on top of business in real-time

Stay up to date. Get push notifications immediately after all account activity, including card payments, direct debits, and transfers.

Easy money transfers in seconds

Immediately top up your N26 Business account through a debit card after signing-up, and use MoneyBeam to instantly send, receive and request funds from the other N26 users listed in your contact list.

Urgently need to get paid? With an incoming SEPA Instant Credit Transfer, your client can pay your invoice in seconds so you receive your money faster.

N26 Bank Account Moneybeam example transaction.

Automatic categorization. Get a breakdown of your spending

The N26 online business bank account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets—it’s all there in a clear overview in the app.

N26 Bank Account categorising transactions for statistics.

Print your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

Banking on the big screen

First, sign up to N26 using the mobile app. Then, you can use the web application to view your account from a desktop or other device.

We are here for you—in 5 languages

Our N26 Support team is available for you in 5 languages via email or chat. Whenever you have a question or encounter a problem, they’re always on-hand to help.

N26 Bank Account Customer Service Chat in App.

Get your free N26 Business euro account.
It only takes 8 minutes.

Open a new N26 business bank account from your phone or computer in an easy, paperless signup process.

Frequently asked questions

What are the benefits of N26 Business?

N26 Business is a euro account for self-employed or freelancers in Switzerland. The account helps manage finances in euro currency while traveling or at home and offers free transactions in every currency worldwide. The business account does not contain any hidden fees and comes with a Mastercard Debit.

How to open a N26 Business account?

If you meet the eligibility criteria, you can open a business account with N26. Simply register via the website or by downloading the N26 mobile app to your compatible phone. Opening an account only takes 8 minutes and is done without paperwork. Once you have verified your identity, your bank account will be ready to go.

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

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.

After a balance of €50,000 or higher a custody fee may apply.

How does a free business account in euros work?

N26 Business offers self-emmployed and freelancers an easy, free account in euros. Opening an account only takes a few minutes and can be done directly from the smartphone and as soon as you get started, you'll be able to manage your finances anytime anywhere. 100 % mobile.

Do self-employed need a business account?

Yes. Our standard bank account cannot be used for commercial purposes/business. N26 Business offers all the same advantages, though, and even some extra ones - like 0,1% cashback on all purchases.

Should I open the account with my personal name or with my business name?

To sign up for N26 Business you must use your personal name and last name. The N26 Business account is designed for self-employed and freelance users doing business under their own name. That means you can’t have your company’s name on the account or card.

How do I get my cashback on Mastercard purchases?

Since N26 Business is an online business bank account, you’ll receive your 0.1% cashback on all Mastercard purchases directly into your account. This will automatically be deposited on a monthly basis. You don’t have to take any additional steps!

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

It’s possible to do business banking and spending with your N26 Business Mastercard and personal spending with your additional Maestro card on the same account. However, it’s currently not possible to have two separate N26 accounts at the same time.

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

N26 Business is the online bank account designed for freelancers, therefore you’re expected to use it mainly for business purposes. However, you can also use it for private purposes as long as these are in a minority compared to your business spending. You may also use it to receive payments from customers, for spendings related to your business activity such as traveling, or to pay the rent.