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.

The free bank account for freelancers

N26 Business Standard is the Spanish bank account that speaks your language. And it now covers 5% of your monthly freelancer quota:

  • With no monthly fees 
  • 0.1% cashback on all your card purchases
  • Unlimited bank transfers
  • Free card payments worldwide

N26 Instant Savings account from 0 euros and without limit of amount. *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://wwww.n26.com.

N26 gives you back 5% of your self-employed fee for free*

At N26 we know how hard it is to start your own business. That's why if you open one of our N26 Business accounts (free or premium) and set up a direct debit from your account to pay your freelancer fees before April 30th 2024, we’ll give you back 5% of your freelancer fee for 12 months. Because once someone believed in our project, and today we believe in yours.

Terms and conditions

Pay your taxes with N26

Not all digital banks are registered with Spain’s government agencies. But N26 is. This means you can pay your income taxes, social security contributions, and VAT obligations directly from your N26 account.

Free, unlimited SEPA transfers

Make as many transfers as you need within the eurozone — free of charge and straight from your phone. With N26, banking couldn’t be simpler or cheaper.

No conditions or commissions

Enjoy the bank of the future, with a 100% free and transparent account. No opening fees, maintenance fees, transaction fees, minimum deposit requirements, or conditions of any kind. We firmly believe that commissions should be a thing of the past.

0.1% cashback on purchases

N26 Business Standard isn't only a free account without conditions and fees. It also gives you 0.1% cashback on monthly purchases you make using your Mastercard debit card — just in case you needed another reason to switch banks.

How to open your N26 account

1. Open your N26 Business account from the N26 website or app, you choose!

2. Verify your identity in minutes from your home

3. Start using your physical or virtual card right away

4. Enjoy your N26 account

Market Launch
~8 million
A full banking license
since 2016

See our available plans

N26 Business Standard

The free online business bank account

The N26 virtual card.
Virtual Card
  • Apple Pay & Google Pay
  • Free card payment worldwide
  • 0.1% cashback on all card purchases
  • *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

N26 Business Smart

The intelligent business bank account for freelancers

N26 You Business Card, Ocean.
All benefits of N26 Business Standard, Plus
  • A physical and virtual card
  • Up to 5 free ATM withdrawals per month
  • 10 Spaces sub-accounts
  • Phone support 7 days a week

N26 Business You

The business bank account for everyday and travel

N26 You Business Card, Ocean.
All benefits of N26 Business Smart, Plus
  • Unlimited free withdrawals in foreign currencies
  • Emergency medical coverage
  • Flight delay compensation
  • Luggage loss and delay insurance

N26 Business Metal

The premium business account for freelancers

Black N26 Business Metal card.
All benefits of N26 Business You, Plus
  • An 18-gram metal card
  • 0.5% cashback in all your purchases
  • Up to 8 free ATM withdrawals per month
  • Priority customer hotline

Promotion offered by N26 Bank AG, Sucursal en España, ("N26") valid in Spain for new N26 Business card customers, and for existing N26 Business customers who receive the charges of their professional insurance contribution (Social Security and alternative mutual insurance companies) on their N26 account. Existing customers who opened their account before the launch of the promotion have to sign up via the promotional code N26AUTONOMO before 30.04.24. Maximum reimbursment of 5 % per month (EUR 15 per month) applicable to the first EUR 300 of the quota charged to the account, for 12 months, payable on the first 10 days of the month following the fee charge. Maximum total annual promotion payment of EUR 180 per customer. Subject to tax withholding and N26's Data Protection Policy. For more information visit www.n26.com.

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.