Risk Indicator corresponding to the bank account N26 Business Standard


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.

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.

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.

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!

Instant payment.

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

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.

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

What are the eligibility requirements for N26 Business?

To open the N26 bank account for freelancers you must:

  • use the account primarily for business purposes
  • not be already an N26 user
  • reside in a country where N26 Business is available: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia and Switzerland.

Is N26 Business free?

Yes, N26 Business is free to open online with no account management nor maintenance fees.

Should I open the account with my personal name or with my business name?

To sign up for N26 Business you have to use your personal name and surname. The N26 Business account is designed for self-employed and freelance users doing business under their own name. That means you can’t have your company’s name on the account or card.

How do I open an N26 Business Standard bank account?

Opening your N26 Business Standard bank account is a quick, easy and paperless online process that takes just 8 minutes. All you need is your smartphone and a photo ID to get started—there’s no minimum deposit amount. Once we’ve verified your identity, you can begin using your free business bank account right away.

You can find our eligibility criteria and more information at our .

How to open a free N26 bank account?

To open your free online N26 Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the N26 website, or download the N26 mobile app onto your compatible smartphone.

Opening your N26 Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your N26 Standard bank account will be ready to use right away.

What are the benefits of an N26 Business Standard bank account?

The N26 Business Standard bank account is a flexible and free business bank account that simplifies business banking. Get a free debit Mastercard virtual card to spend in stores, online or in apps, and easily manage all your business finances in one app. You’ll also enjoy free ATM withdrawals, intelligent spending analytics with Statistics, and free instant bank transfers with N26 MoneyBeam and SEPA Instant Credit Transfers. For full details and availability, see our T&Cs.

Can I have a regular N26 bank account and an N26 Business account at the same time?

If you’ll use your account for business purposes we recommend you to open the N26 Business account from the beginning, as it’s currently not possible to have two separate N26 accounts at the same time.

How do I get my cashback on Mastercard purchases?

Since N26 Business is an online business bank account, you’ll receive your 0.1% on all Mastercard purchases directly into your account. This will automatically be deposited on a monthly basis. You don’t have to take any additional steps!

What happens if I use my N26 Business account for personal spending?

N26 Business is the online bank account designed for freelancers, therefore you’re expected to use it only for business purposes. You may use it to receive payments from customers, or for spendings related to your business activity such as traveling.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.

We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.

What are the implications of N26 not being a collaborating entity with Seguridad Social and Hacienda?

As N26 is not a collaborating entity, your account has the following limitations:

  • You cannot pay taxes to the AEAT (Agencia Estatal de Administración Tributaria).
  • You cannot receive Seguridad Social benefits, including pensions, ERTE (Expediente de Regulación Temporal de Empleo), unemployment benefits, etc.