Free SEPA transfers

Making and receiving SEPA transfers with your N26 IBAN is easy and free of charge. You can find your IBAN details straight away in the N26 app, when you open your account.

Up to 3 free withdrawals per month

With your N26 Mastercard, get up to 3 free ATM withdrawals per month within the eurozone.

Zero mark-up fees

Whether you’re paying in Pounds Sterling or US Dollars, you’ll only pay for what you spend—without added fees.

Real-time notifications

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

*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.

+7 Million
~1.8B USD
Market Launch

Frequently asked questions

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.

*Up to €50,000 balance, after which a custody fee may apply. Please find the Terms & Conditions here.

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

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.

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.