Create the right impression
N26 Business You is a bank account with travel insurance for freelancers and the self-employed with 0.1% cashback plus free ATM withdrawals abroad and your choice of card color: Ocean, Rhubarb, Sand, Aqua, or Slate.
Zero foreign currency fees
When it comes to business, small fees can add up fast. With N26 Business You, enjoy fee-free card payments anywhere in the world and unlimited free ATM withdrawals abroad — in any currency.
Get comprehensive travel insurance
Go global thanks to an extensive insurance package from Allianz Assistance. Get coverage for travel delays, trip cancellation, trip interruption, and lost or stolen baggage. Plus, you’re also protected if you’re personally liable for damage to a third party or in case of a medical emergency — including dental treatment — while you're traveling.
Reinvest with 0.1% cashback
You’ll receive 0.1% cashback on any purchases made using your N26 Mastercard, calculated monthly and paid directly into your account.
#Tag your transactions
#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.
Real-time activity notifications
Stay up to date. Get a push notification immediately after all account activity, including card payments, withdrawals and transfers.
3D Secured payments
Mastercard SecureCode gives you an extra layer of security that helps prevent fraud when making payments online with your N26 Business You account.
Always get a breakdown of your spending
Your N26 Business You account comes with built-in artificial intelligence that automatically categorizes and labels your purchases and gives you a clear visual overview of your finances. It’s all right at your fingertips in the Insights section of your N26 app.
Discounts on the tools you need
With brand-name partners like Grover, Bolt, and Booking.com, N26 Business You comes with a wide range of continuously updated offers and discounts to help your freelance business grow – whether you’re working at home or abroad. Discover current perks in the N26 app.
Plan ahead with Spaces sub-accounts
Want to sort your income by clients, or budget for future expenses? Spaces sub-accounts are the perfect way to get organized. Get a unique IBAN for each sub-account, and set funds aside in seconds. Then set up standing orders for recurring payments, pay bills via direct debit, or send and receive SEPA transfers—right from each space.
Working with a team? Share money with up to 10 others in a Shared Space. And to save even faster, try Round-Ups to save up the spare change whenever you pay by card.Discover sub-accounts
Pay directly from Spaces
With just a few clicks, you can link your N26 Business You card to a Space sub-account of your choice. That way, the money is deducted directly from the right Space every time you pay.
Sort your incoming transfers into sub-accounts
Automatically set aside a portion of your incoming transfers into your Spaces with Income Sorter — putting aside money for taxes or bills has never been simpler.
Faster payments with MoneyBeam and SEPA Transfer
Send, receive, and request money from other N26 users in your contact list with real-time MoneyBeam payments.
Forgot a bill and need to pay as soon as possible? As an N26 Business You customer, you can make SEPA instant bank transfers, free of charge. Plus, get your hard-earned money into your account as soon as possible by requesting an instant bank transfer from your client.
Discover instant payments
An extra card to keep you moving
When it comes to business, small hiccups can cause serious delays. Order an extra card for your Business You account to make sure the cash keeps on flowing, even when you’ve misplaced your wallet.
Free business transactions
Say goodbye to business transaction fees! With our international business bank account, you can enjoy unlimited free business transactions.
Banking on the big screen
Need to download your bank statements for your business bookkeeping? You can also log into your N26 bank account from your laptop or desktop. Plus, our web app offers lots of the same convenient features as the N26 mobile app.
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
What are the benefits of a N26 Business You bank account with travel insurance?
N26 Business You is a premium membership bank account purely intended for freelancers and the self-employed. It has all the same benefits of N26 You, plus 0.1% cashback on purchases.
What do I need to open a N26 Business You bank account?
You may be eligible to open an N26 Business You bank account if…
- You are over 18 and hold a valid form of ID (varies by location)
- You’re a freelancer or are self-employed (the account must be registered in your name, not your business’s name)
- You intend to use the account primarily for business purposes
- You’re not already an N26 user
- You reside in one of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia, Slovenia and Sweden.
Find more information in our Support Center.
How does the 0.1% cashback on purchases work?
You’ll receive your 0.1% cashback on all Mastercard purchases made directly into your N26 account automatically. This is calculated and deposited on a monthly basis. You don’t need to take any additional action!
What kind of travel insurance does the N26 Business You bank account offer?
N26 Business You comes with an extensive insurance package provided by Allianz. This includes trip cancellation insurance, coverage for luggage loss and theft, and coverage for travel delays and medical emergencies while traveling.
Does the N26 Business You bank account offer no foreign transaction fees?
No, it doesn’t have any foreign transaction fees. You can withdraw money for free worldwide, and pay anywhere Mastercard is accepted. With N26 Business You, you’ll never pay foreign currency fees and we’ll never charge you for withdrawing money.
What are the differences between the N26 You bank account and N26 Business You bank account?
N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.
How do Spaces sub-accounts work, and what can I use them for?
N26 Spaces are sub-accounts that sit alongside your main account, and are a practical way to organize your business finances. As a premium customer, create up to 10 Spaces sub-accounts with unique IBANs in your N26 app, then easily set money aside for your taxes, future projects, savings goals, and more. Each space can have its own unique IBAN, which you can use to pay your business expenses via direct debit, or to get paid via SEPA transfers directly into a sub-account. Of course, you don’t have to add an IBAN to your space if you don’t need one — the choice is yours.
Working with a team? Simply open a Shared Space, and manage your business funds together with up to 10 other N26 customers. Please note that an IBAN can’t be added to a Shared Space for now. Learn more about N26 Spaces and all its features here.
Does N26 offer business bank accounts with sub-accounts for freelancers?
In a word: yes! If you’re freelance or self-employed, you can open an N26 business bank account with sub-accounts in just 8 minutes, directly from your smartphone. With N26 Business You, in addition to 10 sub-accounts with unique IBANs, you also benefit from comprehensive travel insurance and can withdraw money fee-free, anywhere in the world and at any time.
Can I use a free account-switching service with N26?
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.
Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 Business You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C S.A. - Dutch branch), one of Europe’s most trusted insurance companies.