N26 Business Smart is a powerful, streamlined account designed to help freelancers and self-employed professionals take their business to the next level. Enjoy one free physical N26 Mastercard in your choice of five vibrant colors (with the flexibility to order up to 4 additional cards for a one-time fee of €10 each), plus up to 6 free virtual cards for added security. Organize your finances effortlessly with up to 10 Spaces sub-accounts with their own IBANs for tax savings or expenses. Tools like Income Sorter, Rules for Spaces, and Round-ups make budgeting and saving a breeze. You’ll also get three free ATM withdrawals in the eurozone per month and 0.1% cashback on all spending. Find out more in our terms and conditions.For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
To open your N26 Business Smart account, you must meet our eligibility criteria. If you do, you can open your account in minutes using your smartphone. Opening your bank account doesn’t require any paperwork. You can start using your account right away once we have verified your identity.You can find more information on how to open an N26 Business Smart account at our Support Center.
The N26 Business Smart account costs €4.90 per month.
Your first physical card and up to six virtual cards are included at no extra cost, you also have the flexibility to order up to 4 more physical cards for a one-time fee of €10 each.
To sign up, you must use your full legal name as it appears on your ID. The N26 Business Smart account is designed for self-employed people and freelancers who operate under their own name. That means you can’t have your company’s name on the account or card.
No. You can’t have a business account and a personal account at the same time.
With N26 Business Smart, you earn 0.1% cashback on all your card payments. There’s no cap on how much you can earn, so you get rewarded for every euro you spend on your business. Your total earnings are calculated automatically and paid monthly directly into your account.
Spaces are sub-accounts that sit alongside your main business bank account, and are a practical way to organize your finances. Create up to 10 Spaces when you sign up for N26 Business Smart, and transfer funds in and out of your Spaces as often as you like — all it takes is just a few taps in your N26 app. Use Spaces to set aside upcoming business expenses and tax payments, or invite up to 10 other N26 users to manage business funds together. To make saving even easier, you can round-up each card transaction to the nearest euro, and stash the difference to a Space of your choice.
Since N26 Business Smart is intended for business purposes, you should primarily use it for your business expenses. This includes overheads like rent for your company premises or expenses for business trips. You can use your account for personal expenses from time to time — as long as these are not the majority of your expenses.