Find a plan that works for you.

Business

€0.00
/month

Business Smart

€4.90
/month

Business You

€9.90
/month

Business Metal

€16.90
/month

Business

The free online business bank account for freelancers

The N26 virtual card.
€0.00
/month

Business Smart

The intelligent business bank account for freelancers with a 0.1% cashback

N26 You Business Card, Rhubarb.
€4.90
/month

Business You

The business premium plan for everyday and travel with a 0.1% cashback

N26 You Business Card, Ocean.
€9.90
/month

Business Metal

The business bank account with exclusive benefits and a 0.5% cashback

Black N26 Business Metal card.
€16.90
/month

Your Mastercard debit

A virtual debit card

Accepted worldwide

Pay with a virtual card on your phone, or get a physical card for a €10 delivery fee

A colorful debit card

Accepted worldwide

Choose from 5 card colors that best fit your style

A colorful debit card

Accepted worldwide

Choose from 5 card colors that best fit your style

An 18-gram metal card

Accepted worldwide

Choose from 3 metallic shades

Contactless payments

NFC technology-enabled

Go cashless and pay with your contactless card at the checkout

Contactless payments

NFC technology-enabled

Go cashless and pay with your contactless card at the checkout

Contactless payments

NFC technology-enabled

Go cashless and pay with your contactless card at the checkout

Contactless payments

NFC technology-enabled

Go cashless and pay with your contactless card at the checkout

Mobile payments

With your smartphone

You can use your N26 card with Apple Pay and Google Pay

Mobile payments

With your smartphone

You can use your N26 card with Apple Pay and Google Pay

Mobile payments

With your smartphone

You can use your N26 card with Apple Pay and Google Pay

Mobile payments

With your smartphone

You can use your N26 card with Apple Pay and Google Pay

Optional extra card

For more flexibility

Not included

Unlock this feature with N26 Business Smart, Business You or Business Metal

Optional extra card

For more flexibility

You can order an extra N26 card to use with your personal account, for a one off fee

Optional extra card

For more flexibility

You can order an extra N26 card to use with your personal account, for a one off fee

Optional extra card

For more flexibility

You can order an extra N26 card to use with your personal account, for a one off fee

Your bank account

100% mobile banking

100% mobile banking

Send and receive transfers, set up direct debits and standing orders, and transfer money instantly

100% mobile banking

100% mobile banking

Send and receive transfers, set up direct debits and standing orders, and transfer money instantly

100% mobile banking

100% mobile banking

Send and receive transfers, set up direct debits and standing orders, and transfer money instantly

100% mobile banking

100% mobile banking

Send and receive transfers, set up direct debits and standing orders, and transfer money instantly

0.1% cashback

on all card purchases

Pay with your N26 Mastercard and get 0.1% cashback every month

0.1% cashback

on all card purchases

Pay with your N26 Mastercard and get 0.1% cashback every month

0.1% cashback

on all card purchases

Pay with your N26 Mastercard and get 0.1% cashback every month

0.5% cashback

on all card purchases

Pay with your N26 Mastercard and get 0.1% cashback every month

Free payments worldwide

In any currency

Enjoy free and unlimited payments in any currency, wherever you are

Free payments worldwide

In any currency

Enjoy free and unlimited payments in any currency, wherever you are

Free payments worldwide

In any currency

Enjoy free and unlimited payments in any currency, wherever you are

Free payments worldwide

In any currency

Enjoy free and unlimited payments in any currency, wherever you are

Up to 3 free ATM withdrawals

In the Eurozone

Enjoy up to 3 free withdrawals per month

Up to 5 free ATM withdrawals

In the Eurozone

Enjoy up to 5 free withdrawals per month

Up to 5 free ATM withdrawals

In the Eurozone

Enjoy up to 5 free withdrawals per month

Up to 8 free ATM withdrawals

In the Eurozone

Enjoy up to 8 free withdrawals per month

Spanish IBAN

for your account

Manage your business expenses and set up direct debits from your account

Spanish IBAN

for your account

Manage your business expenses and set up direct debits from your account

Spanish IBAN

for your account

Manage your business expenses and set up direct debits from your account

Spanish IBAN

for your account

Manage your business expenses and set up direct debits from your account

Your travel insurance package

Travel medical insurance

In case of emergency

Not included

Unlock this feature with N26 Business You or Business Metal

Travel medical insurance

In case of emergency

Not included

Unlock this feature with N26 Business You or Business Metal

Travel medical insurance

In case of emergency

You're covered up to €1,000,000 for you, your partner and kids, inclusive of dental emergencies

Travel medical insurance

In case of emergency

You're covered up to €1,000,000 for you, your partner and kids, inclusive of dental emergencies

Trip insurance

In case of cancellation

Not included

Unlock this feature with N26 Business You or Business Metal

Trip insurance

In case of cancellation

Not included

Unlock this feature with N26 Business You or Business Metal

Trip insurance

In case of cancellation

Up to €10,000 compensation in case of trip cancelation or curtailment if the event is covered

Trip insurance

In case of cancellation

Up to €10,000 compensation in case of trip cancelation or curtailment if the event is covered

Pandemic travel coverage

in case of COVID-19

Not included

Unlock this feature with N26 Business You or Business Metal

Pandemic travel coverage

in case of COVID-19

Not included

Unlock this feature with N26 Business You or Business Metal

Pandemic travel coverage

in case of COVID-19

Get covered for medical emergencies and trip cancellation or curtailment due to COVID-19

Pandemic travel coverage

in case of COVID-19

Get covered for medical emergencies and trip cancellation or curtailment due to COVID-19

Flight insurance

In case of delay

Not included

Unlock this feature with N26 Business You or Business Metal

Flight insurance

In case of delay

Not included

Unlock this feature with N26 Business You or Business Metal

Flight insurance

In case of delay

Claim compensation of up to €500 for flight delays over 4 hours

Flight insurance

In case of delay

Claim compensation of up to €500 for flight delays over 4 hours

Luggage coverage

In case of delay or loss

Not included

Unlock this feature with N26 Business You or Business Metal

Luggage coverage

In case of delay or loss

Not included

Unlock this feature with N26 Business You or Business Metal

Luggage coverage

In case of delay or loss

Claim compensation of up to €500 for baggage delays over 12 hours, and up to €2,000 if it goes missing

Luggage coverage

In case of delay or loss

Claim compensation of up to €500 for baggage delays over 12 hours, and up to €2,000 if it goes missing

Your lifestyle insurances

Mobility insurance

For shared vehicles

Not included

Unlock this feature with N26 Business You or Business Metal

Mobility insurance

For shared vehicles

Not included

Unlock this feature with N26 Business You or Business Metal

Mobility insurance

For shared vehicles

Get your car sharing, e-scooter and e-bikes hires covered for damages, up to €20,000

Mobility insurance

For shared vehicles

Get your car sharing, e-scooter and e-bikes hires covered for damages, up to €20,000

Winter sport insurance

In case of accidents

Not included

Unlock this feature with N26 Business You or Business Metal

Winter sport insurance

In case of accidents

Not included

Unlock this feature with N26 Business You or Business Metal

Winter sport insurance

In case of accidents

You're protected on trips to the mountains

Winter sport insurance

In case of accidents

You're protected on trips to the mountains

Car rental

Away from home

Not included

Unlock this feature with N26 Business Metal

Car rental

Away from home

Not included

Unlock this feature with N26 Business Metal

Car rental

Away from home

Not included

Unlock this feature with N26 Business Metal

Car rental

Away from home

Your rental car hires abroad and further away from home are covered for up to €20,000

Phone insurance

For damage and theft

Not included

Unlock this feature with N26 Business Metal

Phone insurance

For damage and theft

Not included

Unlock this feature with N26 Business Metal

Phone insurance

For damage and theft

Not included

Unlock this feature with N26 Business Metal

Phone insurance

For damage and theft

You’re covered up to €1,000 for mobile theft and damage if the event and phone are eligible

Your extra features

Transaction list

downloadable in CSV and PDF

For easier tax return and invoicing

Transaction list

downloadable in CSV and PDF

For easier tax return and invoicing

Transaction list

downloadable in CSV and PDF

For easier tax return and invoicing

Transaction list

downloadable in CSV and PDF

For easier tax return and invoicing

Statistics

for insights on your spending

Get your spending automatically categorized in a monthly overview

Statistics

for insights on your spending

Get your spending automatically categorized in a monthly overview

Statistics

for insights on your spending

Get your spending automatically categorized in a monthly overview

Statistics

for insights on your spending

Get your spending automatically categorized in a monthly overview

Up to 10 Spaces sub-accounts

For budgeting and saving

Not included

Unlock this feature with N26 Business Smart, Business You or Business Metal

Up to 10 Spaces sub-accounts

For budgeting and saving

Create Spaces to organize your money and save for your financial goals

Up to 10 Spaces sub-accounts

For budgeting and saving

Create Spaces to organize your money and save for your financial goals

Up to 10 Spaces sub-accounts

For budgeting and saving

Create Spaces to organize your money and save for your financial goals

Shared sub-accounts

with up to 10 N26 users

Not included

If you're interested in this feature, check out our N26 Business Smart, Business You or Business Metal plans

Shared Spaces sub-accounts

with up to 10 N26 users

Create Shared Spaces to manage business funds together with other N26 users

Shared Spaces sub-accounts

with up to 10 N26 users

Create shared spaces to save money together with friends also using N26

Shared Spaces sub-accounts

with up to 10 N26 users

Create shared spaces to save money together with friends also using N26

Round-ups

to save with every purchase

Not included

Unlock this feature with N26 Business Smart, Business You or Business Metal

Round-ups

to save with every purchase

Round-up every card transaction to the nearest euro and automatically save the difference in a space

Round-ups

to save with every purchase

Round-up every card transaction to the nearest euro and automatically save the difference in a space

Round-ups

to save with every purchase

Round-up every card transaction to the nearest euro and automatically save the difference in a space

Premium partner offers

selected for you

Not included

If you're interested in this feature, check out our N26 Business Smart, Business You or Business Metal plans

Premium partner offers

selected for you

Enjoy premium partner offers and discounts with world-class brands.

Premium partner offers

selected for you

Enjoy premium partner offers and discounts with world-class brands.

Premium partner offers

selected for you

Enjoy premium partner offers and discounts with world-class brands.

Your Customer Support

Chatbot support

24/7 assistance

Our chatbot can answer your basic questions, 24/7

Chatbot support

24/7 assistance

Our chatbot can answer your basic questions, 24/7

Chatbot support

24/7 assistance

Our chatbot can answer your basic questions, 24/7

Chatbot support

24/7 assistance

Our chatbot can answer your basic questions, 24/7

In-app livechat

with our specialists

You can contact us directly through your N26 app or via the web app, 7 days a week

In-app livechat

with our specialists

You can contact us directly through your N26 app or via the web app, 7 days a week

In-app livechat

with our specialists

You can contact us directly through your N26 app or via the web app, 7 days a week

In-app livechat

with our specialists

You can contact us directly through your N26 app or via the web app, 7 days a week

Phone support

via a direct hotline

Not included

Unlock this feature with N26 Business Smart, Business You or Business Metal

Phone support

via a direct hotline

You can contact us on the phone, 7 days a week

Phone support

via a direct hotline

You can contact us on the phone, 7 days a week

Prioritized phone support

Contact us via phone

You can contact us via phone thanks to a priority line, 7 days a week

Your account security

Deposit protection

Up to €100,000

Your money is protected by the German Deposit Protection Scheme

Deposit protection

Up to €100,000

Your money is protected by the German Deposit Protection Scheme

Deposit protection

Up to €100,000

Your money is protected by the German Deposit Protection Scheme

Deposit protection

Up to €100,000

Your money is protected by the German Deposit Protection Scheme

3D Secure

For your online payments

All your online payments are secure, thanks to advanced 3D Secure (3DS) technology

3D Secure

For your online payments

All your online payments are secure, thanks to advanced 3D Secure (3DS) technology

3D Secure

For your online payments

All your online payments are secure, thanks to advanced 3D Secure (3DS) technology

3D Secure

For your online payments

All your online payments are secure, thanks to advanced 3D Secure (3DS) technology

Two-factor authentication

For a secure log-in

An additional layer of security to keep your money safe

Two-factor authentication

For a secure log-in

An additional layer of security to keep your money safe

Two-factor authentication

For a secure log-in

An additional layer of security to keep your money safe

Two-factor authentication

For a secure log-in

An additional layer of security to keep your money safe

€0.00
/month

The free online business bank account for freelancers

€4.90
/month

The intelligent business bank account for freelancers with a 0.1% cashback

€9.90
/month

The business premium plan for everyday and travel with a 0.1% cashback

€16.90
/month

The business bank account with exclusive benefits and a 0.5% cashback

Services and Fees for everyone who registers with an address in Spain.

For our detailed price list, view PDF here.

* These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz insurance coverage, please see the General Conditions of the N26 You, Business You or N26 Metal account.

FAQ

How does N26 Business work?

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. The N26 Business Mastercard is intended for business use only. You receive 0.1% cashback every quarter on all payments made using the card. Also, it’s currently not possible to have two separate N26 accounts at the same time.

Are there Minimum Usage Requirements?

None to speak of. Since February 2018 you don’t need to make a minimum number of transactions and there aren’t any fees related to how often you use the account.

Is there a time commitment for your N26 account?

If you open a free N26 account or N26 Business account, there is no commitment on how long you need to keep your account open. If you open a N26 You, N26 Metal, or N26 Business You account you commit to having the account for 12 months.

How many free withdrawals can I make in a month?

You can withdraw euros at any ATM up to 3 or 5 times a month for free depending on if you have a N26 or N26 You account. If you have the free N26 account and you receive your payroll in it, then you can withdraw up to 5 times a month without commissions. After the 5th withdrawal, there is a €2 fee for each extra one.

Can I withdraw money abroad?

Yes, of course. With your N26 You or N26 Metal card, you can withdraw cash for free in any currency, as many times as you want. If you have a standard N26 account, you can withdraw euros fee-free. If you need cash in a different currency, you’ll pay a low 1.7% fee on the amount withdrawn.

What is included in the Allianz insurance package?

The Allianz insurance policy protects you when traveling and shopping. It comes with mobile phone theft protection (if bought with your N26 card), travel insurance, ATM theft protection, and an extended warranty and purchase protection on qualifying goods.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.

We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.

What are the implications of N26 not being a collaborating entity with Seguridad Social and Hacienda?

As N26 is not a collaborating entity, your account has the following limitations:

  • You cannot pay taxes to the AEAT (Agencia Estatal de Administración Tributaria).
  • You cannot receive Seguridad Social benefits, including pensions, ERTE (Expediente de Regulación Temporal de Empleo), unemployment benefits, etc.