A blonde woman in a pink shirt trims fresh flower stems at a wooden table near a glass vase, with a smartphone displaying a banking app lying face-up in the foreground.

Run your business with confidence

Get the intelligent tools you need to streamline your freelance finances, plus 0.1% cashback on any purchases made with your N26 Mastercard.

Cashback on all card payments

Get 0.1% cashback for every payment you make with your N26 Business Mastercard, deposited back into your account monthly.
A close-up shot of a person making a contactless payment with a smartphone over a card terminal held by a cashier.

Smarter tools, smoother business

Income Sorter and Rules for Spaces keep your finances organized by automatically moving your money where it needs to go.

Master your cash flow

Stay organized with 10 Spaces sub-accounts. Divide your money for taxes, bills, and professional goals.
Learn more about Spaces
A close-up, over-the-shoulder view of a person holding a tray of takeaway coffees in one hand while checking a mobile banking app on their smartphone with the other.

Real-time insights

N26 Insights tracks every expense instantly. Get a visual overview of your habits to help you stay on top of your budget.
A smiling man in a pink t-shirt places a vinyl record onto a turntable next to a window, while a smartphone with a banking app visible lies on a stack of albums in the foreground.
A smartphone displays the N26 banking app home screen with transaction history and graphs.

Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.

FAQ

    N26 Business Smart is a powerful, streamlined account designed to help freelancers and self-employed professionals take their business to the next level. Enjoy a physical N26 Mastercard in your choice of five vibrant colors, plus a free virtual card for added security. Organize your finances effortlessly with up to 10 Spaces sub-accounts with their own IBANs for tax savings or expenses. Tools like Income Sorter, Rules for Spaces, and Round-ups make budgeting and saving a breeze. You’ll also get three free ATM withdrawals in the eurozone per month and 0.1% cashback on all spending. Find out more in our terms and conditions. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.

    To open your N26 Business Smart account, you must meet our eligibility criteria. If you do, you can open your account in minutes using your smartphone. 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.

    The N26 Business Smart account costs €4.90 per month.

    With N26 Business Smart, you can get up to two physical Debit Mastercards, available in five distinct colors — Ocean, Sand, Rhubarb, Aqua, and Slate. While your first physical card and up to six virtual cards are included at no extra cost, you also have the flexibility to order a second physical card for a one-time fee of €10.

    To sign up, you must use your full legal name as it appears on your ID. The N26 Business Smart account is designed for self-employed people and freelancers who operate under their own name. That means you can’t have your company’s name on the account or card.

    No. You can’t have a business account and a personal account at the same time.