Risk Indicator corresponding to the bank account N26 Business You
1/6
1/6 This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

N26 Business You
The business bank account for freelancers with travel insurance from Allianz, for just €9.90 per month.
Create the right impression
N26 Business You is a bank account with travel insurance for freelancers and the self-employed with 0.1% cashback plus free ATM withdrawals abroad and your choice of card color: Ocean, Rhubarb, Sand, Aqua, or Slate.


Grow your savings by 2.26% AER — only with N26
With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
- 2.26% AER interest calculated daily, paid monthly
- No minimum deposit
- No conditions or fees
- Instant access
- Available with free and premium N26 bank accounts
Zero foreign currency fees
When it comes to business, small fees can add up fast. With N26 Business You, enjoy fee-free card payments anywhere in the world and unlimited free ATM withdrawals abroad — in any currency.


Get comprehensive travel insurance
Go global thanks to an extensive insurance package from Allianz Assistance. Get coverage for travel delays, trip cancellation, trip interruption, and lost or stolen baggage. Plus, you’re also protected if you’re personally liable for damage to a third party or in case of a medical emergency — including dental treatment — while you're traveling.

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.
Reinvest with 0.1% cashback
You’ll receive 0.1% cashback on any purchases made using your N26 Mastercard, calculated monthly and paid directly into your account.
#Tag your transactions
#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.
Real-time activity notifications
Stay up to date. Get a push notification immediately after all account activity, including card payments, withdrawals and transfers.
3D Secured payments
Mastercard SecureCode gives you an extra layer of security that helps prevent fraud when making payments online with your N26 Business You account.
Always get a breakdown of your spending
Your N26 Business You account comes with built-in artificial intelligence that automatically categorizes and labels your purchases and gives you a clear visual overview of your finances. It’s all right at your fingertips in the Insights section of your N26 app.

An extra card to keep you moving
When it comes to business, small hiccups can cause serious delays. Order an extra card for your Business You account to make sure the cash keeps on flowing, even when you’ve misplaced your wallet. (Available in Germany and Spain)
Read more
Discounts on the tools you need
With brand-name partners like Grover, Bolt, and Booking.com, N26 Business You comes with a wide range of continuously updated offers and discounts to help your freelance business grow – whether you’re working at home or abroad. Discover current perks in the N26 app.
Spaces for planning
Spaces is an in-app feature that lets you create up to 10 separate "sub-accounts", perfect for budgeting business expenses. Create up to 10 individual spaces and add or transfer money between these and your main account. Now, you’re also able to add up to 10 other users into the same sub-account! Shared Spaces makes saving up for a group project or managing funds for a co-working space even easier.
Shared Spaces

Find out what documents you need to open your N26 account
We aren’t huge fans of paperwork — or of making you waste your time looking for the information you need. To make it easier for you, we explain here in detail what identity documents you need to open your N26 bank account, depending on your nationality.
See list of documentsPlus, more helpful features...
Print your transactions list
We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.
Banking on the big screen
First, sign up to N26 using the mobile app. Then, view your account from a desktop or other device using our web app.
Invest in yourself with 0.5% cashback
N26 Business Metal is much more than a premium plan for freelancers. Get a metal Mastercard and enjoy 0.5% cashback on all your purchases to give your business a boost. Plus, enjoy free withdrawals worldwide, zero foreign transaction fees in any currency, special partner offers, and extensive travel and lifestyle insurance.
Get Business MetalFrequently Asked Questions
What are the benefits of a N26 Business You bank account with travel insurance?
N26 Business You is a premium membership bank account purely intended for freelancers and the self-employed. It has all the same benefits of N26 You, plus 0.1% cashback on purchases.
What do I need to open a N26 Business You bank account?
You may be eligible to open an N26 Business You bank account if…
- You are over 18 and hold a valid form of ID (varies by location)
- You’re a freelancer or are self-employed (the account must be registered in your name, not your business’s name)
- You intend to use the account primarily for business purposes
- You’re not already an N26 user
- You reside in one of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia, Slovenia and Sweden.
Find more information in our Support Center.
How does the 0.1% cashback on purchases work?
You’ll receive your 0.1% cashback on all Mastercard purchases made directly into your N26 account automatically. This is calculated and deposited on a monthly basis. You don’t need to take any additional action!
What kind of travel insurance does the N26 Business You bank account offer?
N26 Business You comes with an extensive insurance package provided by Allianz. This includes trip cancellation insurance, coverage for luggage loss and theft, and coverage for travel delays and medical emergencies while traveling.
Does the N26 Business You bank account offer no foreign transaction fees?
No, it doesn’t have any foreign transaction fees. You can withdraw money for free worldwide, and pay anywhere Mastercard is accepted. With N26 Business You, you’ll never pay foreign currency fees and we’ll never charge you for withdrawing money.
What are the differences between the N26 You bank account and N26 Business You bank account?
N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.
Can I manage payments and receive incoming funds from public institutions with my N26 account?
Yes, N26 is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with N26 accounts. This means that it is possible to pay some taxes from your N26 account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
What are the implications of N26 being a collaborating entity with Seguridad Social and Hacienda?
This means that you can receive benefits to which you are entitled to from the Spanish Social Security and SEPE directly on your N26 account (e.g. pension, sick leave, unemployment, Minimum Living Income or other types of benefits). In addition, if you are self-employed or a freelancer, you can also pay your self-employment fees using your N26 account.
Which Spanish bank can I switch from?
You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.
TIN 0%, APR: -2.35% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €9,90/month. The settlement of the account is made monthly.
Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 Business You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C S.A. - Dutch branch), one of Europe’s most trusted insurance companies.