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.
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.
Your free virtual debit Mastercard
Pay online and in stores with your N26 Mastercard virtual card, linked to Apple Pay or Google Pay. Enjoy 2 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.
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.
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.
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.
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Pay your self-employed fee with N26
Pay your monthly Social Security contributions directly from your N26 account with a Spanish IBAN and with no hassle. Likewise, you can make Social Security payments for any employees you have. Just another reason to love N26.
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.
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.
Go premium with N26 Business You and Business Metal
Do you want to get the most out of your business? Upgrade to Business You for travel and lifestyle insurance, 0.1% cashback on your purchases, partner offers and a Mastercard your choice of card color. And if you really want to take it to the next step, N26 Business Metal—our most premium plan—offers you an exclusively-designed Mastercard in stainless steel, 0.5% cashback, smartphone insurance, priority Customer Support, and much more.
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Frequently asked questions
- You will use the account primarily for business purposes.
- You’re not already an N26 user.
- You reside in a country where N26 operates: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia, Switzerland
N26 Business is free to open online with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or self-employed.
No. You can only ever have one bank account with N26 at a time. So, if you already have a private account with us and would prefer to have a free business bank account, then you’d first have to close your private account. After that, you can open your free business bank account in a matter of minutes.
Automatically! We calculate 0.1% cashback on every purchase you make using your N26 Mastercard, and deposit it onto your free business bank account every month—you don’t have to worry about a thing!
The free business bank account is primarily intended for commercial finances so it’s a good idea to mainly use it for that purpose. You can use it for personal expenses on occasion, but these shouldn’t be the majority of your transactions.