Bank Account for Freelancers and Self-employed

N26 Business is the mobile bank account that's perfect for freelancers and the self-employed. Get paid and earn on your purchases. Keep business and personal separate—and forget the unwieldy expense reports. It’s as simple, and seamless, as that.

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Free business Mastercard

Expense tracking at the flick of a wrist. It’s one card for all your transactions that’s accepted all over the world.

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Direct reinvestment with 0,1% cashback

Get 0,1% cashback on all your purchases with your Mastercard.

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Real-time notifications

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

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N26 Business is 3D Secure

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

Automatic categorization. Get a breakdown of your spending.

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

Bank Account Overview on Your phone - N26 Bank Account
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Track your balance over time

Scroll your way through your transactions to see where and when you’ve spent your money.

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#Tag your transactions

#client, #office, #bizness—create your own personal #tags to organize your transactions better.

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Export your transactions

Need a statement? Download your transaction list as a CSV or PDF directly to your phone or computer.

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Bank on the big office screen

We’re mobile, but we also work on your desktop device, laptop or tablet. The N26 WebApp offers the same functionality with added features like Darkmode for low-light display.

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.

Support Channels - N26 Customer Service

Get your N26 Business bank 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 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

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 you’re self-employed.

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

To sign up for N26 Business you have to 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. It will automatically be deposited at the end of every quarter. You don’t have to take any additional steps!

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

The N26 Business bank account makes it easy to do personal spending on the same account if you have both the Mastercard and Maestro cards that are easily available from the app. As long as you use the Mastercard for business spending and the Maestro card for personal spending, you can continue to enjoy the many advantages of the account.