Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Open your free bank account for freelancers
N26 Business Standard is the free bank account that gives you full control over your finances. With no fees or conditions.
- 0.1% cashback on monthly purchases
- Unlimited SEPA transfers
- Free card payments worldwide
- N26 Instant Savings account at 2.26% AER* interest
N26 Instant Savings account from 0 euros and without limit of amount. To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking.
*1.5% AER (1.5% 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 225 euros.
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
2013
Market Launch
24
Markets
~8 million
Customers
A full banking license
since 2016
Your Social Security payments with N26
Not every bank allows you to pay your self-employment fees and taxes (such as VAT or income tax) or receive payments from the state (such as benefits and welfare payments). In fact, N26 is the only neobank you can do that with, because we’re the first to become a partner bank in Spain.
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
See our available plans
N26 Business Standard
The free online business bank account
Virtual Card
€0.00/month
Apple Pay & Google Pay
Free card payment worldwide
0.1% cashback on all card purchases
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*Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
POPULAR
N26 Business Smart
The intelligent business bank account for freelancers
€4.90/month
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
€9.90/month
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
€16.90/month
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
- 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.
To open the N26 bank account for freelancers you must:
Yes, N26 Business is free to open online with no account management nor maintenance fees.
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.
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 Support Center.
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.