Banking for freelancers and the self-employed
N26 Business is the free 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 a few minutes, and start making mobile payments before your physical card arrives.
Go global with a Mastercard debit card
Your free N26 Business account includes a Mastercard Debit and optionally also a Maestro card. Make payments online or in-store anywhere in the world without fees and Mastercard’s best exchange rate. It’s one card for all your transactions – accepted worldwide – and focus on what's really important.
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.
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.
Use your N26 Business Mastercard worldwide for payments without any hidden fees or withdraw Euros for free. This keeps you flexible, even on business trips.
N26 Business is 3D Secure
Mastercard 3D Secure (3DS) is an extra layer of security that helps prevent fraud when making payments online using your N26 account.
Keep control of your finances
N26 Business is transparent and keeps you informed, so you're always up to date on your finances.
#Tag your transactions
#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.
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 expenses or put money aside for your projects! Plus, you'll soon be able to participate in shared sub-accounts to manage funds collectively, for example with your colleagues. Shared Spaces will soon be available in your N26 app.Shared Spaces
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.
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.
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.
Discover N26 Business You and Metal
Take your business to the next step by going premium. With N26 Business You, get an extensive insurance package and 0.1% cashback on all purchases. And choose N26 Business Metal to go even further with 0.5% cashback on all purchases, a statement Mastercard debit in stainless steel, and access to exclusive partner offers from the likes of Google Ads and Fiverr. Reinvest in your business with a bank account that adapts to your needs.Read more
We’re here for you. In several languages
If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian.
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.
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.
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.
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!
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.