N26 Business Smart

The intelligent business bank account for freelancers

Discover a new way to do business banking, right from your smartphone. Unlock a business bank account with powerful features to better manage your money, and enjoy 0.1% cashback on all card purchases.
Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.

Go global with a colorful Mastercard

Define your personal brand with an eye-catching Mastercard debit card in your choice of color—Ocean, Sand, Rhubarb, Aqua or Slate. Get 5 free ATM withdrawals every month, free payments in any currency, and zero foreign transaction fees while spending on business trips abroad. Stay flexible with mobile payments, and start using your card before it arrives in the mail.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

Earn 0.1% cashback on all card purchases

It pays to spend with N26 Business Smart. Get 0.1% cashback on all purchases when you pay with your business Mastercard—and reinvest these profits right back into your business. Your cashback gets automatically deposited into your business bank account every month—it’s easy!
N26 You Timeline Feature in App.

Start earning interest

No deposit limits,** simple conditions, and full flexibility. Discover N26 Instant Savings, the easy-access savings account available at no extra cost in the N26 app.N26 Smart customers get 2.8%* p.a. interest on their savings.  Prefer 4%* p.a.? Choose N26 Metal.
More about the Instant Savings account
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2.8% p.a. interest rate, balance in the main account, and in the savings account.

A business bank account that's smarter

Track business expenses on-the-go

Get a monthly breakdown of incoming and outgoing payments with Statistics, an AI-powered tool that automatically categorizes your transactions into a handy business expenses list.

Save automatically with Rules

Set money aside for tax payments. Create Rules to set up automatic transfers between your main business bank account and your Spaces sub-accounts—daily, weekly, or monthly.

Bank from anywhere, 24/7

N26 Business Smart is a 100% mobile business bank account, accessible on mobile and web. Goodbye, last-minute bank runs. Hello, convenient business banking.

Easier tax returns and invoicing

Download your bank statements as PDF or CSV files via the N26 WebApp on your desktop. You can even add your own #tags to every transaction to quickly find them later.

Organize your finances with Spaces sub-accounts

Create up to 10 Spaces sub-accounts with IBANs in seconds, and instantly set money aside from your main account. Then create standing orders for recurring payments, pay bills via direct debit, send and receive SEPA bank transfers, or get paid from clients—right into each sub-account.Splitting business expenses with co-workers? Manage funds with others in a Shared Space. And if you're saving for your next project, try Round-Ups—we’ll help you save up the spare change whenever you pay by card.
Discover Spaces
image of two N26 subaccount showing the "main account" and "Taxes" spaces to budget money.

Get paid instantly with MoneyBeam and SEPA Transfers

Need to get your invoices paid into your business bank account as soon as possible? Instantly send, request and receive money from other N26 users with MoneyBeam. Or, get your client to make a payment with SEPA Instant Credit Transfer to receive it in seconds.
Discover instant payments
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Secure business banking features

Mastercard 3D Secure

Add an extra layer of protection to your online purchases with Mastercard 3D Secure—an advanced two-factor authentication step.

Instant push notifications

Receive alerts on your smartphone after each transaction, and get notified immediately when you receive payments from clients.

Biometric identification

Keep your business banking logins extra safe and secure by verifying yourself with fingerprint identification or FaceID.

Deposit protection up to €100,000

As a fully-licensed European bank, your money is always protected up to €100,000 under the German Deposit Protection Scheme.

A business bank account with special deals

Enjoy partner offers, perfectly suited to freelancers and the self-employed. With N26 Perks, choose from a wide selection of ever-changing lifestyle discounts from the likes of Blinkist, Mubi and Lime, and tap into tools such as Google Ads and Fiverr that help build, manage and grow your business.
View partner offers
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Customer support via chat and phone

Whatever your need, our Customer Support team is always on-hand to help you in English, French, German, Spanish and Italian. If you’ve run into an issue or have a question about your business bank account, simply reach our specialists directly via the in-app chat, visit the N26 Support Center to quickly find answers to your questions. You can also give us a call on the premium customer support hotline.

Intelligent business banking at your fingertips

Open your N26 Business Smart bank account for only €4.90 per month, and get immediate access to smarter business banking features, plus 0.1% cashback on all card purchases. Sign up from your desktop or smartphone in minutes—no paperwork required.


  • What are the benefits of the N26 Business Smart bank account?
  • Do I need a business bank account if I’m self-employed?
  • How do I open an N26 Business Smart bank account?
  • Should I open a business bank account with my personal name or business name?
  • How do I get my cashback on Mastercard purchases?
  • Can I have a regular N26 bank account and an N26 Business Smart account at the same time?
  • What are Spaces and Shared Spaces, and how can I use them?
  • How do Spaces sub-accounts work, and what can I use them for?

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal. The interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). ** The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.