Risk indicator for all N26 accounts.
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

N26 Business Smart

The business bank account to spend and save in confidence

Discover a better way to manage your money with N26 Smart—the business bank account for freelancers and the self-employed that offers 0.1% cashback on all card purchases.
Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.

5% discount on your freelancer fees*

If you're self-employed, we'll refund 5% of your fees for 12 months. All you have to do is set up a direct debit from your N26 Business account to pay your freelancer fees before April 30th 2024.*Terms and conditions
Learn more
5% cashback for freelancers.

A colorful Mastercard that fits in with you

Customize your business bank account with a debit Mastercard in a choice of 5 colors—Ocean, Sand, Rhubarb, Aqua or Slate. Enjoy 5 free ATM withdrawals per month, and make card payments even before your physical card arrives. Additionally, relax on your business trips while you make unlimited payments abroad with no fees, in any currency.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

Grow your savings by 2.26% NIR/AER* — only with N26

With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
  • 2.26% NIR/AER* interest calculated daily, paid monthly
  • No minimum or maximum deposit limits
  • No conditions or fees
  • Instant access
  • Available with free and premium N26 bank accounts
N26 Metal customers enjoy our highest interest rate: 4% NIR (3.8% AER)** It’s yet another benefit of our most premium bank account.
Start saving now

0.1% cashback on all card payments

The more you spend, the more you save with N26 Business Smart. Get 0.1% cashback on all the payments made with your N26 Mastercard debit card, and reinvest it back in your business. This cashback is credited directly into your N26 bank account each month so you don’t have to do anything from your side.
N26 You Timeline Feature in App.

Full control of your business spending

Expense tracking

Stay up to date with where your money goes each month, and learn from your spending habits with Statistics—a tool that automatically categorizes your expenses.

Rules for Spaces sub-accounts

Set up Rules to move money automatically between your Spaces sub-accounts and your main account—select a frequency, an amount, a date, and you’re good to go!

Your bank, always by your side

N26 Business Smart will make you forget what queuing at the bank once felt like. Access your business bank account at any time from your smartphone, or the WebApp.

All your documents in one place

Download your bank statements as PDF or CSV files in seconds. You can also add custom tags to your transactions to find them easily.

Budget like a pro with Spaces

Make some space for your projects—and your money—while discovering how to budget in the most effective way. Create up to 10 sub-account for upcoming business expenses, and even invite up to 10 other N26 users to join to save up for common goals. And enjoy an even faster way to stash away money with Round-ups—enable the feature to automatically round up each card purchase to the nearest euro, and save the difference in a space.
image of two N26 subaccount showing the "main account" and "Taxes" spaces to budget money.

Move money from A to B with MoneyBeam and SEPA instant

When it comes to money, nobody likes waiting. Send and receive money instantly among N26 users with MoneyBeam, and ask your clients to pay you via SEPA Instant transfers. Your payments will be with you in a heartbeat.
Discover instant payments
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Keeping your account secure

3D Secure

Add an extra layer of security to your online purchases with Mastercard 3D Secure, the most advanced two-factor authentication technology.

Real-time notifications

Receive push notifications on your smartphone after all account activity, and always stay informed of every incoming and outgoing transaction.

Smart ID

Access your bank account faster and safer by using your fingerprint or face ID when logging in.

Your funds are protected up to €100,000

We’re a fully licensed European bank, and whatever happens, your funds are protected up to €100,000.

Customer Support via phone and chat

Whether you need our help or just have a question, our Customer Support is available for you 7 days a week, in multiple languages–Spanish, English, French, German and Italian. Feel free to visit our Support Center—packed with answers to the most frequently asked questions—reach out to our specialists via in-app chat, or simply call our customer service hotline and speak to a real human.

Special offers to move your business forward

Access a wide range of exciting partner offers, hand-picked to help you make the best out of your business. Explore deals and discounts from the likes of Google Ads and Fiverr, and treat yourself to perks from big names such as Blinkist or Lime for that perfect work-life balance.
View partner offers
woman pointing a sign in a magazine page.

The business bank account to better manage your money

Sign up for N26 Business Smart for only €4.90 per month and enjoy its multiple premium banking features—all designed to help you better manage your money. And of course, get 0.1% cashback on all your card purchases.

TIN 0%, APR: -1.17% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €4,90/month. The settlement of the account is made monthly. Everytime you make a transaction using your N26 card, we round it up to the next full-euro amount. For instance, if you spend €15.20 at a restaurant—and you activate Round-ups—we’ll automatically round this amount up to €16. The remaining €0.80 will be transferred to your selected space. *2.26% AER (2.26% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 339 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com **3.8% AER (4% annual NIR). With this interest rate, if you maintain a daily balance of 100.000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202,8 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 3,797.20 euros. Monthly interest settlement.


  • What are the benefits of an N26 Business Smart bank account?
  • Do I need a business bank account if I’m self-employed?
  • How do I open an N26 Business Smart account?
  • Should I open the account with my personal name or with my business name?
  • How to open a free N26 bank account?
  • How do I get my cashback on Mastercard purchases?
  • Can I have a personal N26 bank account and an N26 Business bank account at the same time?
  • Can I use my N26 Business Smart account for personal spending?
  • What are the implications of N26 being a collaborating entity with Seguridad Social and Hacienda?
  • How do Round-up Rules work?
  • Which Spanish bank can I switch from?