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  • Standard

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    Bank for free

    Smart

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    Bank with more control

    Go

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    Bank at home or on the go

    Metal

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    Make a statement
    Compare personal plans

    Business Standard

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    Freelancers bank for free

    Business Smart

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    Manage your business with more control

    Business Go

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    Manage your business on the go

    Business Metal

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    Premium banking with cashback for your business
    Compare business plans
  • Highlights
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    Banking featuresYour money made simple
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    For under 18sCards for teens and children, with parents looped in
    Features
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  • Highlights
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    Instant SavingsEarn interest flexibly
    Features
    Spaces Guide to interest rates
  • Highlights
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    All investment optionsYour portfolio, your way
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    Stocks and ETFsTrade from €1
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    CryptoBuy and sell 300+ coins
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    Ready-made fundsFunds managed by pros
     
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    Flexible Cash FundMake your money work harder
    Features
    Savings plansAnalyzing stocksGuide to ETFsGuide to stocksInvesting for beginners
  • Highlights
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    Travel benefits Borderless banking
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    Travel Insurance Coverage for the unexpected
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    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
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A woman with her hair tied back sits at a round table in a softly lit indoor space, typing on a laptop with one hand while resting her face on the other.

The free business account for freelancers

Enjoy 0.1% cashback, up to 6 virtual cards, two free ATM withdrawals per month, and 24/7 chat support — everything your business needs.
Get Business Standard

Cashback on all card payments

Get 0.1% cashback for every payment you make with your N26 Business Mastercard, deposited back into your account monthly.
Two interface pop-up badges display a clock icon with "24 hours" and a speech bubble icon with "Multilingual chat support" against a white background.

Your card, ready to go

Use your free virtual card to pay for professional expenses right from day one, and order a physical Debit Mastercard.1
Meet the N26 Mastercard
A person seated in an armchair holds a smartphone displaying a digital payment card on the screen.

Cash in hand on your terms

Keep more of what you earn with two free monthly ATM withdrawals in the eurozone — because every euro counts.2

Everything your business needs

Manage expenses, track income and spending, and easily keep tabs on all of your transactions — all in one app.

Expert support, day and night

Your business doesn’t stop, and neither do we. Get 24/7 chat support in English, French, German, Italian, or Spanish.3
Get Business Standard
N26 homepage app.

Switch banks in minutes


Open your N26 account and move your recurring payments in just a few taps.
Get Business Standard

1 A €10 fee applies for the issuing of the physical Mastercard debit card.

2 N26 Standard includes 2 free monthly ATM withdrawals in the eurozone.

3 Customer Support agents available from 11am until 7pm, seven days a week. Our chatbot can help with common questions 24/7.

FAQ

  • N26 Business Standard is a flexible, free business bank account that makes online banking even easier for freelancers and self-employed individuals. Get up to 6 free virtual N26 Mastercards that lets you pay in stores, apps, and online. Withdraw cash free of charge twice a month at NFC-equipped ATMs in the eurozone. Send, receive, and request money instantly with MoneyBeam. At the end of the month, see your spending at a glance with Insights, and enjoy 0.1% cashback on every purchase. 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.
  • Generally, it’s a good idea to keep your personal and business expenses separate. The N26 Business Standard free business bank account helps you break down your business expenses and income transparently. As your business grows, this will become more and more helpful when it comes to bookkeeping and taxes. Plus, you can access your free business account at any time and manage your finances directly in the N26 app, or on your computer.
  • It’s easy to open an N26 Business Standard online business bank account. It requires zero paperwork, and takes just minutes. All you need is your smartphone and your valid photo ID. There’s no minimum deposit amount, and you’ll be able to start using your account and virtual card as soon as your identity is verified! Go to our Support Center for more details on the requirements for opening a bank account with N26.
  • At N26, our free business bank account is designed for self-employed individuals and freelancers who do business under their own name. Therefore, you have to open the account in your own name. This is the name that will appear in your account and on your virtual N26 Mastercard.
  • We calculate 0.1% cashback for every purchase you make with your N26 Mastercard automatically. We’ll credit your free business bank account with the total cashback amount once per month — you don’t need to lift a finger.
  • No. You can only have one account with N26. If you already have a personal account with us and want to open a free business bank account, you’ll have to close the personal account first, and then open the N26 Business Standard account.
  • Since N26 Business Standard 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. Still, you can use your free business bank account for personal expenses from time to time — as long as this is not the majority of your expenses.