N26 Business Smart

The clever business bank account for freelancers

Experience business banking directly on your smartphone, and tap into powerful features to better manage your finances. Plus, enjoy 0.1% cashback on all purchases made with your N26 Mastercard.

Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

A colorful Mastercard with benefits

Pick a Mastercard debit card in the color that best represents your brand—Ocean, Sand, Rhubarb, Aqua or Slate. Get 5 free ATM withdrawals in Germany each month, unlimited free ATM withdrawals when you’re on business trips in the Eurozone, plus zero foreign transaction fees for payments in other currencies. Simply enable mobile payments, and start spending with Apple Pay or Google Pay while your physical card is on its way.

0.1% cashback on all card purchases

Invest in your business with N26 Smart. Earn 0.1% cashback on all purchases made with your business Mastercard, and have it automatically deposited into your bank account every month. That’s what we call smart business banking.

N26 You Timeline Feature in App.

Smarter business banking is here

Track your expenses

Get a handy overview of all incoming and outgoing payments every month with Statistics. The AI-powered tool automatically categorizes your transactions—a single glance is all it takes to know if you’re on track with your business budget.

Automatically set money aside

Set it and forget it with Rules for Spaces sub-accounts. Create Rules to automatically transfer funds between your main account and your Spaces sub-accounts—every day, week, fortnight, or month.

Bank anywhere, at anytime

N26 Business Smart is a 100% mobile business bank account that you can access on your smartphone or desktop. Forget waiting in line at a bank branch for hours—get your time back with convenient, digital business banking.

Invoices and tax reports made easy

Simply download your bank statements in PDF or CSV formats using the N26 WebApp on desktop. Create and add your own #hashtags to every transaction, and easily find them later.

image of two N26 subaccount showing the "main account" and "Taxes" spaces to budget money.

Organize your finances with Spaces sub-accounts

Create up to 10 Spaces sub-accounts with IBANs in seconds, and instantly set money aside from your main account. Then create standing orders for recurring payments, pay bills via direct debit, send and receive SEPA bank transfers, or get paid from clients—right into each sub-account.

Splitting business expenses with co-workers? Manage funds with others in a Shared Space. And if you're saving for your next project, try Round-Ups—we’ll help you save up the spare change whenever you pay by card.

Explore sub-accounts

Get paid faster with MoneyBeam and SEPA transfers

Waiting for an invoice to be paid? Receive incoming payments in seconds when your client pays with SEPA Instant Credit. Or, request, send and receive money from other N26 customers instantly with MoneyBeam.

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

Secure business banking

Mastercard 3D Secure

Enjoy peace of mind with Mastercard 3D Secure—the 2-factor authentication step that adds an extra layer of protection to your online card transactions.

Instant push notifications

Stay up-to-date with your business finances, thanks to real-time alerts on your phone after every transaction—for both outgoing and incoming payments.

Biometric identification

Add another layer of security to your business banking by using FaceID or fingerprint identification to log in.

Deposit guaranteed up to €100,000

As a fully licensed bank, your funds are protected up to €100,000 under the German Deposit Protection Scheme.

woman pointing a sign in a magazine page.

Treat yourself with N26 Perks

Enhance your work-life balance with a hand-picked selection of partner offers, designed with you and your business in mind. Propel your business forward with special discounts for tools such as Google Ads and Fiverr, or add to your everyday with an ever-changing selection of lifestyle discounts from the likes of Blinkist and Lime.

View partner offers

Phone and live-chat customer support

Whatever your query or need, our customer support is always happy to assist you—whether in German, English, French, Spanish or Italian. Contact us via the in-app chat, or browse through the N26 Support Center to find answers to the most frequently asked questions. Prefer to speak to a real human being? No problem—just give us a call on the N26 Customer Support hotline, reserved for our premium customers.

N26 You Business Card, Ocean.

Your online business bank account

Open your N26 Business Smart bank account for only €4.90 per month, and start earning 0.1% cashback on all card purchases.

Sign up from your desktop or smartphone in just 8 minutes to get immediate access to your intelligent business banking features—no paperwork required.


What are the benefits of the N26 Business Smart bank account?

As a freelancer, do I need a business bank account?

How do I open an N26 Business Smart bank account?

Do I have to open my business bank account with my own name?

How do I get my cashback on Mastercard purchases?

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

How do Spaces sub-accounts work, and what can I use them for?

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