Banking for freelancers and the self-employed
N26 Business is the free bank account for freelancers and the self-employed. Earn 0.1% cashback on all purchases you make, and enjoy free card payments worldwide. Open yours in a few minutes, and start making mobile payments before your physical card arrives.
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 physical Mastercard directly from the N26 app for just a €10 delivery fee.
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.
Stay on top of business in real-time
Stay up to date. Get push notifications immediately after all account activity, including card payments, direct debits, and transfers.
Your free business bank account
No hidden fees
Enjoy transparent online banking with no account maintenance fees, minimum deposit amounts, or cash withdrawal fees. We may charge a 0.5% p.a. deposit fee for account balances over €50,000.
The N26 Mastercard linked to your free business bank account uses 3D Secure—a 2-factor authentication process that makes online payments even safer.
#Tag your transactions
Categorize your business expenses with custom, individual hashtags so you can find them more easily later on.
Deposit protection up to €100,000
N26 is a fully licensed European bank. Thanks to the statutory Deposit Protection Scheme, the money in your online business account is covered at all times up to €100,000.
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, 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.Manage sub-accounts with N26 Spaces
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 more
The N26 online business bank account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets—it’s all there in a clear overview in the app.
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.
We’re here for you. In several languages
If you have any questions or run into any problems, our Customer Service team will be on hand to help you in English, French, German, Spanish and Italian.
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.
What are the benefits of the free business bank account from N26?
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 Statistics, and enjoy 0.1% cashback on every purchase. Find out more in our Terms and Conditions.
Do I need an online business bank account if I’m self-employed?
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.
How do I open my free business bank account?
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 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.
Should I open my free business bank account in my own name or in my company’s name?
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 N26 Mastercard.
How do I receive my cashback for purchases I made with my 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.
Can I have both a private and a business account with N26?
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.
What happens if I use my online business bank account for private expenses?
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.