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N26 Business Black

The bank account for freelancers and the self-employed gives you all the benefits of N26 Black, plus spend on your card and receive 0,1% cashback, all for just €9,90 a month.

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Free business Mastercard

Expense tracking at the flick of a wrist. It’s one card for all your transactions that’s accepted all over the world.

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Direct reinvestment with 0,1% cashback

Direct reinvestment with 0,1% cashback Get 0,1% cashback on all your purchases with your Mastercard.

Real-time notifications

Stay up to date. Get a push notification immediately after all account activity, including card payments, direct debits, and transfers.

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N26 Business is 3D Secure

3D Secure (3DS) is an extra layer of security that helps prevent fraud when making payments online with your N26 bank account.

Automatic categorization. Get a breakdown of your spending.

The N26 business account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets, it’s all there in a clear overview in your app.

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Track your balance over time

Scroll your way through your transactions to see where and when you’ve spent your money.

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#Tag your transactions

#client, #office, #bizness—create your own personal #tags to organize your transactions better.

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Export your transactions

Go granular. Download as a CSV directly on your phone or computer.

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Bank on the big office screen

We’re mobile, but we also work at the office. Our WebApp has the same functionality, with easily exportable CSVs.

*Business Black is available to residents in Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia and Sweden.

Frequently asked questions

What are the 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

Do I need a separate bank account when I’m self employed?

It’s entirely up to you! N26 Business Black is a premium membership bank account purely intended for freelancers and the self-employed, with all the benefits of N26 Black premium, plus 0.1% cashback. Having N26 Business Black alongside your regular bank account is one way to keep your work and personal expenses separate.

Should I open the account with my personal name or with my business name?

To sign up for N26 Business Black you have to use your personal name and last name. The N26 Business Black account is designed for self-employed and freelance users who do 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 Black 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 (where available) 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 Black is an online business bank account, you’ll receive your 0.1% cashback on all Mastercard purchases directly into your account. It will automatically be deposited at the end of every quarter. You don’t have to take any additional steps!

What happens if I use my N26 Business Black account for personal spending?

The N26 Business Black bank account makes it easy to do personal spending on the same account if you have both the Mastercard and Maestro cards that are easily available from the app. As long as you use the Mastercard for business spending and the Maestro card for personal spending, you can continue to enjoy the many advantages of the account.

How is the N26 Business Black account so much cheaper than other business accounts?

Being a 100% digital bank means we’re able to offer mobile bank accounts at the most competitive prices. If you get the most basic Deutsche Bank Business Konto, you would have to pay an €8,90 monthly fee, plus €29 per year just to have a bank card. We want to support our freelancer and self-employed customers by offering a better option to open a business bank account online.