Risk indicator for all N26 accounts.
1
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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.
The business account for freelancers
Business Standard
The free business plan for your daily banking needs.Free
- 0.1% cashback on card payments
- Free virtual debit card
- 2 free ATM withdrawals in euros
Business Smart
The business plan with intelligent features that help organize your spending.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
- 0.1% cashback on card payments
BEST FOR TRAVEL
Business Go
The plan that takes your business further — at home or on the go.€9.90/month
Everything in Smart, plus
- Free ATM withdrawals outside the eurozone
- 0.1% cashback on card payments
- 1% cashback while traveling1
- Travel insurance
Business Metal
The premium business plan built for saving and investing.€16.90/month
Everything in Go, plus
- 0.5% cashback on card payments
- 1.3% AER interest on savings2
- Mobile phone insurance and purchase protection
- Metal debit card
FREE ACCOUNT
Business Standard
The free business plan for your daily banking needs.Free
- 0.1% cashback on card payments
- Free virtual debit card
- 2 free ATM withdrawals in euros
ENJOY MORE CONTROL
Business Smart
The business plan with intelligent features that help organize your spending.€4.90/month
Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
- 0.1% cashback on card payments
BEST FOR TRAVEL
Business Go
The plan that takes your business further — at home or on the go.€9.90/month
Everything in Smart, plus
- Free ATM withdrawals outside the eurozone
- 0.1% cashback on card payments
- 1% cashback while traveling1
- Travel insurance
OUR TOP RATES
Business Metal
The premium business plan built for saving and investing.€16.90/month
Everything in Go, plus
- 0.5% cashback on card payments
- 1.3% AER interest on savings2
- Mobile phone insurance and purchase protection
- Metal debit card
Compare every detail
Cashback
Cashback
Virtual card
First one free
6
6
6
Virtual card
First one free
6
Physical card
Physical card
Spaces sub-accounts with card pairing
10
10
10
Spaces sub-accounts with card pairing
10
Shared Spaces
Shared Spaces
Free ATM withdrawals in euros
2 per month
3 per month
5 per month
8 per month
Free ATM withdrawals in euros
2 per month
5 per month
Cash26 deposits and withdrawals
1.5% deposit fee
1.5% deposit fee
1.5% deposit fee
1.5% deposit fee
Cash26 deposits and withdrawals
1.5% deposit fee
1.5% deposit fee
Budgeting automations
Budgeting automations
Credit
Credit
Overdraft
Overdraft
Installments
Installments
Bizum
Bizum
Savings interest rate3
Savings interest rate3
Stocks and ETFs4
Trade for free
Trade for free
Trade for free
Trade for free
Stocks and ETFs4
Trade for free
Trade for free
Ready-made funds
0.55% management fee
0.55% management fee
0.39% management fee
0.29% management fee
Ready-made funds
0.55% management fee
0.39% management fee
Crypto5
Lower fees — 1% for Bitcoin, 2% for other coins5
Crypto5
Investment plans
Investment plans
Travel cashback1
Travel cashback1
Worldwide card payments
Free
Free
Free
Free
Worldwide card payments
Free
Free
Free ATM withdrawals outside the eurozone
Free
Free
Free
Free
Free ATM withdrawals outside the eurozone
Free
Free
Travel eSIM6
Travel eSIM6
Travel and bag delays7
Up to €500
Up to €500
Travel and bag delays7
Up to €500
Baggage cover7
Up to €2,000
Up to €2,000
Baggage cover7
Up to €2,000
Emergency medical and dental7
Up to €1 million for medical and €250 for dental
Up to €1 million for medical and €250 for dental
Emergency medical and dental7
Up to €1 million for medical and €250 for dental
Emergency transport7
Up to €2,300
Up to €2,300
Emergency transport7
Up to €2,300
Trip interruption7
Up to €10,000
Up to €10,000
Trip interruption7
Up to €10,000
Trip cancellations7
Up to €10,000
Up to €10,000
Trip cancellations7
Up to €10,000
Personal liability7
Up to €500,000
Up to €500,000
Personal liability7
Up to €500,000
Mobile phone insurance8
Mobile phone insurance8
Purchase protection8
Purchase protection8
Premium partner offers
+15
+20
Premium partner offers
+15
24/7 chat support
24/7 chat support
Phone support
Phone support
Deposit protection
Up to €100,000
Up to €100,000
Up to €100,000
Up to €100,000
Deposit protection
Up to €100,000
Up to €100,000
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.
3 For existing customers, N26 Instant Savings account interest rates are based on your main plan with N26: from 11/06/2025 onwards. Please note that rates per plan can be changed by N26 over time. Interest is only earned on funds held in your Instant Savings account.
4 Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
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. 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.
8 Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.
FAQ
- 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
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 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%.