N26 Business You

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.

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.

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!

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.

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.

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.

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.

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.

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.