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

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.

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.
Business virtual card.

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

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.
Business cashback.

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 SecureCode - Icon - N26 Security

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.

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

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 standard card.
n26 metal card.
n26 you card.

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.
Get Business Account

TIN 0% and APR: 0%. *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.

Frequently asked questions

  • What are the eligibility requirements for N26 Business?
  • Is N26 Business free?
  • Should I open the account with my personal name or with my business name?
  • How do I open an N26 Business Standard bank account?
  • How to open a free N26 bank account?
  • What are the benefits of an N26 Business Standard bank account?
  • Can I have a regular N26 bank account and an N26 Business account at the same time?
  • How do I get my cashback on Mastercard purchases?
  • What happens if I use my N26 Business account for personal spending?
  • Can I manage payments and receive incoming funds from public institutions with my N26 account?
  • What are the implications of N26 being a collaborating entity with Seguridad Social and Hacienda?
  • Which Spanish bank can I switch from?