Compare N26 bank accounts for freelancers in Germany
FIND THE PERFECT PLAN FOR YOUR BUSINESS
N26 Standard
The free* digital business bank account with cashback for freelancers
Virtual Card
€0.00/Month
N26 Standard
The free* digital business bank account with cashback for freelancers
Virtual Card
€0.00/Month
Services and Fees for everyone who registers with an address in Germany.
View our detailed price list as PDF
For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 You, N26 Business You or N26 Metal account.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. N26 You and Metal customers get 5 and 15 free monthly trades respectively. The numbers of available Stocks and ETFs can vary per market.
*Interest rate is a promotional interest rate that corresponds to the current ECB deposit interest rate. Promotion offered by N26 Bank AG, Voltairestr. 8, 10179 Berlin, Germany. Promotion valid for new N26 Metal customers with an active Metal membership between January 13, 2025 and February 13, 2025. Receive the ECB deposit rate as interest on your N26 savings account for the next 6 months. You can find the detailed promotional conditions on our website https://docs.n26.com/legal/01+DE/07+Metal/en/03metal_savings_promo_terms.pdf.
After the 6 months, the contractually agreed interest rate applies. The interest rates on your N26 daily money account depend on your main membership with N26: 1% p.a.. for Standard and Smart, 1.3% p. a. for You and 2.5% p. a. for metal (before taxes; as of November 8, 2024). Please note that the interest rates for the respective memberships can be adjusted during the term. The general terms and conditions for N26 Instant Savings apply.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Bank Account for Freelancers FAQ
The major difference between a personal bank account and a business account is what it’s used for. As the name suggests, personal bank accounts are designed for personal, day-to-day use. Conversely, business accounts are only intended for business transactions. A business account gives you a better overview of your business expenses and enables you to store the relevant receipts more easily. This blog post tells you more about the differences between these two kinds of accounts.
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.
At N26, we provide a free account-switching service together with our partner finleap Connect. With this service, you can request to switch bank accounts in just 10 minutes. Not sure if you can switch from your current bank to N26? No worries! Simply visit our account-switching service page and type in the name of your current bank to find out. Switching your bank account to N26 is possible from almost any German bank. If you need more information, visit our website and discover how easy it is to switch banks with N26.
It’s easy to open an N26 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 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.
With N26, you can only have one active account in your name. Currently, it’s not possible to have two N26 accounts under the same name. This means that you can’t have a private N26 bank account and an N26 business account at the same time.
No. You can only have one account with N26. If you already have a personal account with us and want to open a business bank account, you’ll have to close the private account first, and then open the N26 Business account.