Indicador de riesgo correspondiente a la cuenta N26 Business Estándar


This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.

Entity attached to the German Deposit Guarantee Fund. The fund guarantees deposits on money up to 100,000 euros per owner of the European Union and entity.

N26 Business

N26 Business bank account for freelancers

If you’re looking for a free online business bank account and the perfect Mastercard, you’re not daydreaming—we have it. N26 Business has everything you need to keep your professional and work life balanced and organized. There’s no fuss, no time wasting with paperwork, and you’ll enjoy 0.1% cashback on all card payments. Open yours in minutes, and start making mobile payments before your physical card arrives.

An elevated hand holding a transparent N26 Standard card.
N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

The card for traveling freelancers

Freelancers of the world, we’re here to make your life easier; with the N26 Business Mastercard you can pay in shops or online anywhere in the world and benefit from the official Mastercard exchange rate with no extra fees. If you travel for work, this is your type of card.

Pay with the N26 Business card and get 0.1% cashback

We provide benefits rather than excuses – that’s why you receive a 0.1% cashback on all purchases done with your N26 Business Mastercard. Simply put, you’ll be able to save money with your business activity.

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.

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.

Sort it out with Spaces

Sub-accounts can help organize your money if you’re saving up for a big purchase. Spaces is the fastest, easiest, and most flexible way to put money aside for your needs. You can also create rules for automated transfers and even join a shared Space with other N26 users.

Discover Spaces
Smartphone with the N26 Spaces open on it.

A transparent bank

We’re as transparent as our debit Mastercard — you can use it worldwide to pay in any currency with no fees whilst enjoying the official Mastercard exchange rate for cash withdrawals.

Mastercard SecureCode - Icon - N26 Security.

3D Secure technology

Mastercard SecureCode technology 3D Secure is an additional security measure that helps prevent fraud when making payments with your N26 card online.

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.

At your fingertips

Safe and fast log in to your account is right at your fingertips—literally—with the latest fingerprint and Face ID technology.

N26 Bank Account Moneybeam example transaction.

Easy money transfers in seconds

Immediately top up your N26 Business account through a debit card after signing-up, and use MoneyBeam to instantly send, receive and request funds from the other N26 users listed in your contact list.

Urgently need to get paid? With an incoming SEPA Instant Credit Transfer, your client can pay your invoice in seconds so you receive your money faster.

Analyze your spendings to optimize your business

The N26 business bank account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets—it’s all there in a clear overview within the app. You can also write your own tags for even more personalized sorting: #rent #supplies #transportation, etc.

N26 Bank Account categorising transactions for statistics.

Export your balance statement

If you need to download or print your detailed balance statement, you can do so in CSV or PDF format directly from the mobile or web app.

Banking on large screen

We’re The Mobile Bank, but we’re also flexible. If you prefer the large screen of a computer, you can log in the N26 web app from your browser and perform almost all the actions available in the mobile app.

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

We’re here for you

Our Customer Support is available in 5 languages—Spanish, English, French, Italian and German—and eager to help you everyday including Sundays and bank holidays. If you want to reach out, simply open a chat directly from the N26 app or the Support Center.

N26 Bank Account Customer Service Chat in App.

Get your N26 Business bank account

Join N26 and discover a new way of banking, both easy and transparent. For freelancers, enjoy an entirely paperless and 100% mobile account.

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.

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% cashback 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.