Risk indicator for all N26 accounts.


1/6 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 Standard

Freelancers, meet your free business bank account

No hidden fees, no paperwork, and 100% mobile. N26 Business Standard is your convenient business banking solution for managing your finances on-the-go. Open your free business bank account now, and start earning 0.1% cashback on all card purchases.

N26 banking app for freelancers showing a virtual mastercard on a light green background.
Business virtual card.

Your free virtual debit Mastercard

Pay online and in stores with your N26 Mastercard virtual card, linked to Apple Pay or Google Pay. Enjoy 3 fee-free withdrawals in Spain per month at any ATM with a contactless reader, and no extra foreign transaction fees if you pay in another currency. Prefer the plastic version instead? Simply order a physical debit Mastercard in your N26 app for a one-time €10 delivery fee.

Grow your savings by 2.26% 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% 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

Start saving now
The image shown an interest rate of 2.26% with a woman in the background.
Business cashback.

Earn as you spend with 0.1% cashback

It pays to spend with N26 Business Standard. Earn 0.1% cashback on all purchases made with your N26 Mastercard. Best of all, we’ll automatically deposit your cashback to your free business bank account each month—there’s nothing you need to do. Investing in yourself has never been easier.

Stay up to date with your account

Surely you don’t want to miss anything from your business banking activity — as a freelancer you need to stay on top of your finances at all times. With N26 Business you receive instant push notifications for each transaction, giving you complete control over your income and spending. You’ll no longer have to wait for any activity to be reflected on your bank balance.

Pay your self-employed fee with N26

Pay your monthly Social Security contributions directly from your N26 account with a Spanish IBAN and with no hassle. Likewise, you can make Social Security payments for any employees you have. Just another reason to love N26.

Your money is safe with deposit protection

N26 is a German bank operating in Spain with a full European license, giving you the best of both worlds. Get a Spanish IBAN for all your local payments, and rest assured with the German Deposit Protection Scheme—the funds in your free bank account are guaranteed up to €100,000.

Learn more
Instant payment.

Send and receive money instantly with Bizum

Bizum is now available in all N26 accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your N26 account and enjoy all the advantages of a 100% online bank, now with Bizum included!

Zero hidden fees

Because you and your business deserve it. There’s no account maintenance fees, no minimum deposit fees, and no minimum balance requirements.

Mastercard 3D Secure

Add an extra layer of security to your online payments with Mastercard 3D Secure (3DS)—this two-factor authentication helps to prevent fraud.

Transactions history

You can access the history of all the movements and transactions on your account at any time from the comfort of your smartphone, as well as download your balance statements for a more detailed overview of your account’s income and expenditure.

Free instant bank transfers

Make free real-time bank transfers to other N26 customers with MoneyBeam, and receive incoming payments in seconds with SEPA Instant Credit Transfers.

Save for your projects with Spaces

Saving money starts with better money management. Unlock 10 Spaces sub-accounts with any N26 premium subscription, and effortlessly set funds aside for your dream projects, one space at a time.

Set your target amount, and use Rules to automatically move money over into a space every day, week, fortnight, or month. Want to save even faster? Turn on Round-Ups to save your spare change from every card payment.

Open bank account

Mobile or web? You decide.

Whether you’re out and about or at your desk, N26 is convenient. Access your free business bank account at any time from the N26 app or N26 WebApp for desktop.

Export your balance statement

Preparing for taxes? Export your transaction list from the N26 WebApp as CSV or PDF files, and download your bank statements at any time from the N26 app.

Real Customer Support—in 5 languages

Have a question? Our N26 Customer Support specialists are here to assist you in English, Spanish, German, French, and Italian. Start a chat with us in your N26 app, or visit our Support Center to quickly find answers to frequently asked questions.

Visit our Support Center

Find out what documents you need to open your N26 account

We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.

See list of documents

Upgrade to N26 Business Smart for more control

Manage your business in the most efficient way thanks to N26 Business Smart’s premium features. Pay with your colorful Mastercard, and get a 0,1% cashback on all card payments. Enjoy 5 free ATM withdrawals per month, make free payments in any currency, and budget for your business in 10 Spaces—including Shared Spaces for common projects. And of course, you can always call our Customer Support hotline, 7 days a week.

Invest in yourself with 0.5% cashback

N26 Business Metal is much more than a premium plan for freelancers. Get a metal Mastercard and enjoy 0.5% cashback on all your purchases to give your business a boost. Plus, enjoy free withdrawals worldwide, zero foreign transaction fees in any currency, special partner offers, and extensive travel and lifestyle insurance.

Get Business Metal
N26 Business Card.
Black N26 Business Metal card.
N26 You Business Card, Ocean.

Convenient business banking at your fingertips

Ready to discover why more than 7 million customers choose to bank with N26, The Mobile Bank? Compare business bank accounts below to find the perfect fit for your business, or sign up now for your free business bank account. There’s no paperwork involved—all it takes is 8 minutes, your smartphone, and a valid ID.

Frequently asked questions