Compare N26 bank accounts for freelancers in Spain
FIND THE PERFECT PLAN FOR YOUR BUSINESS
N26 Standard
The free* digital business bank account with cashback for freelancers
Virtual Card
€0.00/Month
N26 Standard
The free* digital business bank account with cashback for freelancers
Virtual Card
€0.00/Month
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.
*Please note that interest rates for each type of membership are subject to change.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Services and Fees are for anyone who registers with an address in Belgium, Estonia, Finland, Greece, Ireland, Lithuania, Luxembourg, The Netherlands, Portugal, Slovakia, Slovenia, Sweden, Norway, Denmark, Poland, Iceland and Liechtenstein.
For our detailed price list, view PDF here
For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 You, N26 Metal, N26 You Business or N26 Metal Business account.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as stocks and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and
ETFs 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. The values depicted are fictional and for illustrative purposes.Stocks and ETFs are currently available for eligible customers in Germany, Austria, France, Spain, Belgium, Denmark, Estonia, Finland, Greece, Latvia, Lithuania, Norway, Poland, Portugal, Slovakia, Slovenia and the Netherlands. Using the N26 Broker service is always subject to eligibility. The numbers of available ETFs can vary per market.
*2.05% AER (2.25% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, discounting the annual amount of the subscription to the N26 metal category of 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, 2025, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.
**1.25% AER (1.25% 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 187.50 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6,an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.
Bank Account for Freelancers FAQ
- 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:
To open an N26 Business account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening an account takes only a few minutes and is done without paperwork. Once you’ve verified your identity, your bank account will be ready to use.
For more information on opening an N26 You bank account, as well as the documents that you need, visit our Support Center.
The N26 Business bank account is designed precisely for freelancers and self-employed, and you have to use your personal name and surname. A business bank account is a smart and efficient way to separate your personal spending from your business.
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.
There are no additional fees for having your Social Security benefits paid into your N26 account or for paying your monthly social security contributions as a freelancer.
Currently, it's not possible to hold an N26 Business and personal account simultaneously. Given this, if you plan to use your account for business purposes, we recommend opening an N26 Business account from the start.
If you want to switch from a Business to a personal account, or visce verse, you'll need to close your current account and open a new one.