N26 Business banking for freelancers and the self-employed
✓ 0,1% cashback
✓ Free Mastercard
✓ Fast sign-up process in minutes
✓ 100% app-based banking: no paperwork required
Go global with a Mastercard debit card
N26 Business is the free bank account for freelancers and the self-employed.
Open yours in a few minutes, and start making mobile payments before your physical card arrives.
Free SEPA transfers
Making and receiving SEPA transfers with your N26 IBAN is easy and free of charge. You can find your IBAN details straight away in the N26 app, when you open your account.
Up to 3 free withdrawals per month
With your N26 Mastercard, get up to 3 free ATM withdrawals per month.
Zero mark-up fees
Whether you’re paying in Pounds Sterling or US Dollars, you’ll only pay for what you spend—without added fees.
Stay up to date. Get a push notification immediately after all account activity, including card payments, direct debits, and transfers.
Automatic categorization. Get a breakdown of your spending
The N26 online business bank account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets—it’s all there in a clear overview in the app.
Banking on the big screen
First, sign up to N26 using the mobile app. Then, you can use the web application to view your account from a desktop or other device.
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.
#Tag your transactions
#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.
German deposit security scheme
N26 has a German banking licence. It means your deposits are guaranteed by the German deposit security scheme. Your data is also protected.
Get your N26 Business bank account.
It only takes 8 minutes.
Open a new N26 business bank account from your phone or computer in an easy, paperless signup process.
What are Eligibility Requirements?
- You will use the account primarily for business purposes.
- You’re not already an N26 user.
- You reside in a country where N26 operates: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia, Switzerland
Is N26 Business free?
N26 Business is free to open online with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or self-employed.
Should I open the account with my personal name or with my business name?
To sign up for N26 Business you must use your personal name and last name. 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.
Can I have a regular N26 bank account and an N26 Business account at the same time?
It’s possible to do business banking and spending with your N26 Business Mastercard and personal spending with your additional Maestro card on the same account. However, it’s currently not possible to have two separate N26 accounts at the same time.
How do I get my cashback on Mastercard purchases?
Since N26 Business is an online business bank account, you’ll receive your 0.1% cashback on all Mastercard purchases directly into your account. This will automatically be deposited on a monthly basis. You don’t have to take any additional steps!
What happens if I use my N26 Business account for personal spending?
N26 Business is the online bank account designed for freelancers, therefore you’re expected to use it mainly for business purposes. However, you can also use it for private purposes as long as these are in a minority compared to your business spending. You may also use it to receive payments from customers, for spendings related to your business activity such as traveling, or to pay the rent.