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The business account for freelancers
Business Standard
The free business plan for your daily banking needs.- Free virtual debit card
- 0.1% cashback on card payments
- 2 free ATM withdrawals in euros
Business Smart
The business plan with intelligent features that help organize your spending.- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
Business Go
The plan that takes your business further — at home or on the go.
Business Metal
The premium business plan built for saving and investing.- 1.3% AER interest on savings
- Exclusive 0.5% cashback on card payments
- Mobile phone insurance and purchase protection
- Metal debit card
Business Standard
The free business plan for your daily banking needs.- Free virtual debit card
- 0.1% cashback on card payments
- 2 free ATM withdrawals in euros
Business Smart
The business plan with intelligent features that help organize your spending.- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
Business Metal
The premium business plan built for saving and investing.- 1.3% AER interest on savings
- Exclusive 0.5% cashback on card payments
- Mobile phone insurance and purchase protection
- Metal debit card
Compare every detail
1 This promotion is applicable for N26 Business Go and N26 Business Metal customers. Participate in the promotion by clicking on the in-app message, email, or push notification and selecting ‘Enrol’ on the in-app landing page. From the moment of successful enrollment, you will receive 1% cashback for up to 12 months on qualifying transactions made with your N26 Mastercard outside the European Economic Area (EEA), Switzerland, and the United Kingdom. The European Economic Area (EEA) includes all EU member states as well as Iceland, Liechtenstein, and Norway. See full T&Cs here: https://n26.com/hb-ex
2 1.30% AER (1.50% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €1,500. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at https://n26.com.
4 Buying and selling stocks, ETFs, and ETCs through the N26 app costs €0.90 per transaction. N26 Go customers receive 3 free trades per month, while N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. Past performance is not a reliable indicator of future results.
A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market.
The reception and transmission service for stocks, ETFs, and other assets is provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody).
5 The N26 Business Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, standard fees apply: 1.5% on Bitcoin and 2.5% on all other coins (fees are always rounded up to the nearest full cent — to a maximum of one cent — which may lead to a slight increase of the fee percentage shown in the order preview. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda Asset Management GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda.
6 Purchase mobile plans in-app to enjoy affordable data in over 100 countries with your travel eSIM.
7 Exclusions and restrictions apply. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. For more information, please see the Allianz Assistance Insurance Product Information Sheet (Business Metal | Business Go) and Conditions for Beneficiaries (Business Metal | Business Go). You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
FAQ
- Download the N26 app and follow the steps to open an N26 business account. Once you’ve verified your identity your account will be ready to use. For more information on opening an N26 business bank account, as well as the documents that you need, visit our Support Center.
- To be eligible for an N26 business account, you must:
- Use the account primarily for business purposes
- Not already be an N26 user
- Live in a country where N26 operates: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland
- Use your legal first and last name to sign up for an N26 business account. These accounts are made for self-employed people doing business under their own name. This means you can’t have your company’s name on the account or debit card.
- Yes. If you’re self-employed, an N26 business account is a good way of separating your business finances from your personal banking. It makes accounting and bookkeeping easier as you grow your business.
- You may use your business account for personal spending as long as you mainly use the account for business expenses. To be eligible for an N26 business account, you must use it primarily for business purposes.
- No. You can’t have a business account and a personal account at the same time.
- Yes. You earn cashback on all purchases made with your N26 Mastercard debit card. Cashback is calculated and deposited automatically on a monthly basis. If you have an N26 Business Standard, Smart, or Go account you earn 0.1% cashback. Upgrade to N26 Business Metal to earn 0.5%.