N26 Business Standard

The free business bank account for freelancers

Stay on top of your daily business finances with one easy app to receive, send, and manage all payments—anytime and anywhere. Open your free* business bank account online in minutes—no minimum balance, no account fees, and no paperwork required.
Join the waiting list
N26 banking app for freelancers showing a virtual mastercard on a light green background.

*Up to €50,000 balance, after which a deposit fee of 0.5% p.a. may apply. Please find the Terms & Conditions here.

Your free Mastercard virtual card

Enjoy fast and secure contactless payments with your free debit Mastercard virtual card, accepted worldwide. Start spending right away with Apple Pay or Google Pay on your smartphone, and get up to 3 free cash withdrawals per month at NFC-enabled ATMs.Prefer to keep a physical card at the office? No worries—simply order an optional physical card for a one-off delivery fee of €10.
Business virtual card.

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 Standard 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.

Enjoy 0.1% cashback every month

Earn 0.1% cashback every time you pay with your N26 Mastercard, and automatically get it deposited into your free business bank account each month. When you’re growing your business, every little bit counts.
Business cashback.

Get paid instantly with zero fees

Waiting for payment from a client? Receive, send or request money from other N26 customers in real-time with MoneyBeam, or use SEPA Instant Credit Transfers to receive incoming payments from other banks in seconds. Plus, with immediate push notifications on your phone after all account activity, you’ll know about every incoming or outgoing payment, direct debit and card transaction as it happens.
Instant payment.

Plan ahead with N26 Spaces

Setting money aside for taxes, or saving for a future project? Effortlessly organize your business finances with Spaces sub-accounts, available with an N26 premium subscription.Create up to 10 Spaces, give each space a name, then easily put money aside to budget in real-time. Set Rules to automate your savings, or try Round-Ups to save up the spare change every time you pay by card.

Bank online 24/7

Access your free business bank account online via the N26 mobile app or N26 WebApp on desktop—anytime, and anywhere.

Tax preparations made easy

Export your transaction list as a CSV or PDF file from the N26 WebApp on desktop, or download your bank statements in your N26 mobile app.

Discover N26 Business Metal, with 0.5% cashback

Upgrade to our most premium account for freelancers and the self-employed, packed with 0.5% cashback on all purchases, fee-free payments in all currencies, and a travel, lifestyle and mobility insurance package that includes smartphone coverage. Enjoy that extra peace of mind, wherever your business takes you.
Get Business Metal

N26 Support speaks your language

Need a hand with your free business bank account? Whatever the issue, our Customer Support specialists are ready to assist you in English, French, German, Italian, and Spanish. Reach us via the live chat in your N26 app, or visit the N26 Support Center to find answers to our most frequently asked questions.
Visit our Support Center

Take your business further with N26 Business Smart

Organize your business finances better with N26 Business Smart. Alongside 0.1% cashback on all card purchases, get a colorful Mastercard, free ATM withdrawals, and customer support via the phone when needed. Plus, set aside your tax payments and budget for expenses with 10 Spaces sub-accounts—including Shared Spaces to manage funds together with others.
Get N26 Business Smart
n26 standard card.
n26 metal card.
n26 you card.

The free business bank account for freelancers

Join over 7 million customers and discover easy, flexible business banking in one app. Compare our premium business bank accounts, or sign up for your free business bank account online in minutes. No minimum balance, no account fees, and no paperwork. Just beautifully simple banking that works, so you can too.
Join the waiting list

  • What are the benefits of an N26 Business Standard bank account?
  • Do I need a business bank account if I’m self-employed?
  • How do I open an N26 Business Standard bank account?
  • Should I open my free business bank account with my personal name or with my business name?
  • How do I get my cashback on Mastercard purchases?
  • Can I have a regular N26 bank account and an N26 Business Standard account at the same time?
  • What happens if I use my N26 Business Standard account for personal spending?

Availability: Portugal, Ireland, Greece, Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia *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.