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.

Five N26 You cards floating in the air.

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.

N26 You Business Card, Ocean.
The image shown an interest rate of 2.26% with a woman in the background.

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

Start saving now

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.

N26 You Timeline Feature in App.
Illustration of a mobile with a broken screen.

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.

N26 Bank Account categorising transactions for statistics.

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
N26 You exclusive partner benefits.

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
Smartphone with the N26 Spaces open on it.

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 documents

Plus, 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 Metal

Frequently Asked Questions


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.

Allianz Logo - Updated June 2020. 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.