N26 Business You

The business bank account for freelancers with travel insurance from Allianz Assistance, for just €9.90 per month.
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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.
N26 You Timeline Feature in App.

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 emergency dental treatment — while you're traveling.
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8 minutes

to open an international business bank account

Priority phone support

available 7 days a week

Deposit protection

of up to €100,000

A full banking license

since 2016

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.

Mastercard SecureCode - Icon - N26 Security

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.
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N26 Bank Account categorising transactions for statistics.

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.
N26 You exclusive partner benefits.

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
Smartphone with the N26 Spaces open on it.

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.
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N26 Bank Account Moneybeam example transaction.

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.
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Discover N26 Business Metal

Frequently Asked Questions

  • What are the benefits of a N26 Business You bank account with travel insurance?
  • What do I need to open a N26 Business You bank account?
  • How does the 0.1% cashback on purchases work?
  • What kind of travel insurance does the N26 Business You bank account offer?
  • Does the N26 Business You bank account offer no foreign transaction fees?
  • What are the differences between the N26 You bank account and N26 Business You bank account?
  • How do Spaces sub-accounts work, and what can I use them for?
  • Does N26 offer business bank accounts with sub-accounts for freelancers?
  • Can I use a free account-switching service with N26?

Allianz Logo - Updated June 2020. 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.