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

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.
Business virtual card.

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.
Get Business Account
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.

Mastercard SecureCode - Icon - N26 Security

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.

Icon for security in Teal

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.

Stocks and ETFs the simple way

How about investing in your future without having to leave your banking app? With N26, you can buy stocks and ETFs right from your phone. Get 15 free trades every month when you upgrade to N26 Metal — and 5 with N26 You.You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
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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.
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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.
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.
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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.
Get Business Account
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.
View Plans
Discover N26 Business Metal
n26 standard card.
n26 metal card.
n26 you card.

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.
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Frequently asked questions

  • What are the benefits of the free business bank account from N26?
  • Do I need an online business bank account if I’m self-employed?
  • How do I open my free business bank account?
  • Should I open my free business bank account in my own name or in my company’s name?
  • How do I receive my cashback for purchases I made with my N26 Mastercard?
  • I am looking for a modern business bank account that allows me to deposit cash. Does an N26 Business Standard account offer this?
  • Can I have both a private and a business account with N26?
  • What happens if I use my online business bank account for private expenses?
  • I already have a business bank account with another bank. Can I switch to N26?
  • What are the monthly fees for an N26 Business Standard account?
  • Will I pay negative interest with an N26 Business Standard account?
  • Are small business owners eligible for the N26 free business bank account?
  • I have a small business ('Kleingewerbe' in German) and am looking for a business bank account. Is an N26 Business Standard account right for me?