N26 Business Standard

The free business bank account for freelancers

Being self-employed means you’ve got to do it all—including handling your business finances. N26 can help. Introducing N26 Business Standard, the free business bank account for freelancers. Manage all your money in one convenient place, and get 0.1% cashback. Best of all, it’s absolutely free.

N26 banking app for freelancers showing a virtual mastercard on a light green background.
Business virtual card.

Your free virtual N26 Mastercard

As soon as you open your free business bank account, you’ll receive your virtual N26 Mastercard, right on your smartphone. Link the virtual card to Apple Pay or Google Pay and start making payments online, in stores, or in-apps. You can even make 3 free ATM withdrawals per month in Germany at any ATM equipped with a contactless reader.

Nostalgic for plastic? Order your own transparent physical Mastercard directly from the N26 app for just a €10 delivery fee.

What are virtual cards?

Enjoy 0.1% cashback every month

Reinvest in your business every time you spend, with 0.1% cashback for every payment you make with your N26 Mastercard. We’ll total up what you’ve earned every month and deposit it back into your account, so you don’t have to lift a finger.

Business cashback.

Your free business bank account

No hidden fees

Enjoy transparent online banking with no account maintenance fees, minimum deposit amounts, or cash withdrawal fees.

Always secure

The N26 Mastercard linked to your free business bank account uses 3D Secure—a 2-factor authentication process that makes online payments even safer.

Free business transactions

Your free N26 business bank account comes with unlimited free business transactions.

Deposit protection up to €100,000

N26 is a fully licensed German bank. Thanks to the statutory Deposit Protection Scheme, the money in your online business account is covered at all times up to €100,000.

8 minutes
to open your business bank account
Customer support
7 days a week
Deposit protection
of up to €100,000
A full banking license
since 2016

Our Customer Support speaks your language

Have a question about your free business bank account or your virtual N26 Mastercard? Whatever you need to know, our Customer Support specialists are there to assist you in German, English, French, Spanish, or Italian. Simply get in touch via the in-app chat function or browse the Support Center for answers to FAQs.

Visit our Support Center

Get paid faster with SEPA and MoneyBeam

Get paid instantly with MoneyBeam, the unique feature that lets you send, transfer, and request money among other N26 customers for free. All you need is their phone number or email address. Or, enjoy the speed of SEPA Instant Credit transfers, which allow you to accept payments from other banks in a matter of seconds.

Plus, stay on top of your incoming and outgoing funds with instant push notifications, alerting you every time money leaves or enters your free business bank account.

Learn about Instant payments
Instant payment.

Sort your expenses with Insights

The N26 Insights feature is the ideal way to get a clear overview of your business expenses. Forget complicated tables—this tool uses AI to automatically categorize each transaction in your business account. Compare your expenses with your income at a glance and see which categories you spend the most in. Plus, our Monthly Wrap-Up feature shows you exactly where your money went last month, helping you analyze and optimize your spending behavior.

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.

View scheduled transfers at a glance

Easily set up standing orders and direct debits for recurring payments. See all your upcoming transfers right in your app.

#Tag your transactions

Categorize your business expenses with custom, individual hashtags so you can find them more easily later on.

Plan ahead with N26—save money with Spaces

Putting money aside to settle your taxes, or for a pending project? Use Spaces to manage your finances in sub-accounts and save funds in a few taps—this feature is available to N26 premium customers.

Create up to 10 Spaces, name them, add an IBAN, and start saving for different purposes. You can also schedule recurring transfers with Rules, or use the Round-Ups feature to round-up your card purchases to the nearest euro, and stash the difference.

Create sub-accounts with N26 Spaces

Invest in yourself with N26 Business Metal

Discover our top-tier premium business bank account with 0.5% cashback on all purchases, an exclusive stainless-steel Mastercard, and a travel and lifestyle insurance package — including phone insurance — for extra peace of mind.

Discover N26 Business Metal
N26 Business Card.
Black N26 Business Metal card.
N26 You Business Card, Ocean.

Find the right bank account for your business

Are you ready to take your business to the next level? Explore our premium business accounts, with features like Spaces sub-accounts to save for different projects and even more cashback. Whichever option you choose, you can open your new business bank account in under 10 minutes. Visit our plans page to find the perfect fit for your business.

Frequently asked questions

N26 Business Standard is a flexible, free business bank account that makes online banking even easier for freelancers and self-employed individuals. Within seconds of opening the account, get a free virtual N26 Mastercard that lets you pay in stores, apps, and online. Withdraw cash free of charge up to 3 times per month at NFC-equipped ATMs. Send, receive, and request money instantly with MoneyBeam. At the end of the month, see your spending at a glance with Insights, and enjoy 0.1% cashback on every purchase. Find out more in our Terms and Conditions.

Generally, it’s a good idea to keep your personal and business expenses separate. The N26 Business Standard free business bank account helps you break down your business expenses and income transparently. As your business grows, this will become more and more helpful when it comes to bookkeeping and taxes. Plus, you can access your free business account at any time and manage your finances directly in the N26 app, or on your desktop computer.

It’s easy to open an N26 Business Standard online business bank account. It requires zero paperwork, and takes only 8 minutes. All you need is your smartphone and your valid photo ID. There’s no minimum deposit amount, and you’ll be able to start using your account and virtual card as soon as your identity is verified!

Go to our Support Center for more details on the requirements for opening a bank account with N26.

At N26, our free business bank account is designed for self-employed individuals and freelancers who do business under their own name. Therefore, you have to open the account in your own name. This is the name that will appear in your account and on your virtual N26 Mastercard.

We calculate 0.1% cashback for every purchase you make with your N26 Mastercard automatically. We’ll credit your free business bank account with the total cashback amount once per month—you don’t need to lift a finger.

Yes, with an N26 business bank account you can deposit cash at over 11,900 partner stores in Germany. Simply deposit money while shopping at REWE, Penny, dm, Rossmann, and other partners. Create a barcode right in your N26 app with just a few taps and show it to the cashier—that's it! Note that we charge a small fee of 1.5% for all cash deposits.

No. You can only have one account with N26. If you already have a personal account with us and want to open a free business bank account, you’ll have to close the private account first, and then open the N26 Business Standard account.

Since N26 Business Standard is intended for business purposes, you should primarily use it for your business expenses. This includes overheads like rent for your company premises or expenses for business trips. Still, you can use your free business bank account for private expenses from time to time—as long as this is not the majority of your expenses.

If you already have a business bank account with another bank and you would like to switch to N26, you can do so quickly and easily with our free account switching service. Simply head to this page and search for your current bank, then automatically transfer standing orders, direct debits, and incoming payments to your new N26 business account.

If you’re wondering about account management fees for the N26 Business Standard account, we have good news: There are none! N26 Business Standard is a current account with no account maintenance fees, and no minimum deposit.

Your free business bank account comes with a virtual Mastercard, which you can use to pay online, in apps, and in stores. If you'd rather have a physical card, you can order one right in your N26 app for a one-time delivery fee of just €10.

We do not charge negative interest on deposits to your N26 Business Standard account.

If you’re self-employed and have a small business, the free N26 business bank account may be a good choice for you. Please note that N26 Business Standard is designed for freelancers and self-employed persons who work under their own name. Therefore, you cannot open a bank account in your company’s name.

Small businesses that operate under their own name are eligible for our N26 Business Standard account. If this applies to you, then you can open an N26 business account. Please note that you cannot open an account under your company’s name with N26.