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

With your N26 debit card you get 5 free ATM withdrawals in Germany every month. Pick a Mastercard debit card in the color that best represents your brand—Ocean, Sand, Rhubarb, Aqua or Slate. Plus, enjoy 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 Insights. 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.

Enjoy unlimited free business transactions

Say goodbye to business transaction fees. With N26 Business Smart you get unlimited free business transactions.

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. Browse through transactions directly in the app, create and add your own #hashtags to every transaction, and easily find them later.

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

Organize your finances with Spaces sub-accounts

Spaces are sub-accounts that sit alongside your main account. They help you organize your finances and stay on top of your budget. Create up to 10 Spaces sub-accounts with individual IBANs, and instantly set money aside. Then pay bills via standing orders or direct debit, or send and receive SEPA bank transfers.

Manage funds in a Shared Space with up to 10 other N26 users. And if you're saving for your next project, try Round-Ups—we’ll help you put aside the spare change whenever you pay by card.

Discover Spaces

Spaces make your life easier

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.

Get your income sorted—into Spaces

Activate the Income Sorter to automatically set aside a portion of your incoming transfers into a Space. This way, you can put aside money for your taxes and bills without having to think about it.

Pay directly from your Spaces

Link your N26 Mastercard to a Space of your choice and pay directly from there. Easily set—and stick to—your budget for business trips, projects, and expenses.

10 Spaces with individual IBANs

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.

Schedule payments and transfer instantly

Receive and send payments in seconds with SEPA Instant Credit Transfers. Or, request, send and receive money from other N26 customers instantly with MoneyBeam. Plus, set up standing orders for recurring payments with just a few taps in the N26 app—and never forget a bill again. See all your scheduled bills in one place, and get reminders before they’re due.

Discover 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?

N26 Business Smart is a premium business bank account for freelancers and the self-employed. Along with a colorful N26 Mastercard debit card, N26 Business Smart customers can also benefit from intelligent banking features that make managing business finances easy.

Insights automatically sorts all transactions into categories such as ‘Business expenses’ or ‘Education’ and organizes them in a clear overview, for easier budget tracking and invoicing. With 10 Spaces sub-accounts, freelancers and the self-employed can make room for all their business expenses, upcoming tax payments, savings goals, and more. Furthermore, N26 Business Smart customers can enjoy 5 free ATM withdrawals per month in Germany, alongside fee-free payments in foreign currencies, and unlimited free ATM withdrawals within the Eurozone outside of Germany. For full details and availability,see our T&Cs.

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

N26 Business Smart is a business bank account specifically designed for freelancers and the self-employed. As a result, you must open your N26 Business Smart bank account using your first and last name. A business bank account can help separate personal finances from business expenses, which may allow for easier bookkeeping in the long run. With N26 Business Smart, you’ll be able to keep business banking flexible as you can access your business bank account from anywhere, at any time.

How do I open an N26 Business Smart bank account?

To open your N26 Business Smart account, you must meet our eligibility criteria. If you do, you can open your account in just a few minutes using your smartphone or the N26 WebApp on desktop. Opening your bank account doesn’t require any paperwork. You can start using your account right away once we have verified your identity.

You can find more information on how to open an N26 Business Smart account at our Support Center.

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

Yes, you must use your first and last name in order to open an N26 Business Smart bank account. The N26 Business Smart bank account was designed for freelancers and the self-employed who offer their services in their own name—that means the name of your business will not be shown in your bank account or on your Mastercard.

How do I get my cashback on Mastercard purchases?

With N26 Business Smart, you’ll earn 0.1% cashback on all your Mastercard purchases. Your cashback will be automatically calculated and deposited into your N26 Business Smart bank account on a monthly basis—you don’t need to do a thing.

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

No. It currently isn’t possible to have two N26 bank accounts with the same name. If you have a personal N26 account and want to open an N26 Business Smart bank account, you will first need to close your personal N26 bank account. You may then sign up for an N26 Business Smart bank account.

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

N26 Spaces are sub-accounts that sit alongside your main account, and are a practical way to organize your business finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in your N26 app, then easily set money aside for your taxes, future projects, savings goals, and more. Each space can have its own unique IBAN, which you can use to pay your business expenses via direct debit, or to get paid via SEPA transfers directly into a sub-account. Of course, you don’t have to add an IBAN to your space if you don’t need one—the choice is yours.

Working with a team? Simply open a Shared Space, and manage your business funds together with up to 10 other N26 customers. Please note that an IBAN can’t be added to a Shared Space for now—but stay tuned for more exciting updates to come! Learn more about N26 Spaces and all its features here.

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

Since N26 Business Smart is a business bank account, you’re expected to use it mainly for business-related purposes. You may, however, still use it for personal spending, as long as these do not make up the majority of your transactions. You may also use your account to receive your income from clients, or for business-related spending, such as paying the rent or on business trips.

Will I be able to show my company name or company type, such as GmbH, on my N26 business account or on my card?

In a nutshell: unfortunately not. Our business accounts are exclusively for freelancers and self-employed people who work under their own name. Therefore, company types or names can’t be listed on our accounts or on N26 cards.

Can I open a business account if I’m the sole proprietor of my company?

The N26 Business Smart account is the ideal online business account if you’re a freelancer or self-employed. If you’re the sole proprietor of your business and are working under your own name, there’s nothing to stop you from opening an account. Please note, however, that you can’t open a bank account under your company’s name.

Can I get an account, card, and IBAN with N26 as a small business owner (‘Kleinunternehmer’) in Germany?

This depends on whether you are working under your own name or your company’s name. If you’re looking for a business account and you run your business under your own name, our N26 online business account is just right for you. At the moment, it’s not possible to open a business account under a company name.

I have a business account with another bank. Can I simply switch my business account to N26?

If you want to switch your business account and N26 is your new bank of choice, you’re welcome to use our free account switching service. Switch your business account in just a few steps by going to our account switching service page and typing in the name of your current bank. Then, automatically transfer standing orders, incoming payments, and direct debits to your new N26 business account.