The free business bank account for freelancers

The N26 Business Standard bank account is a flexible and free business bank account that simplifies business banking. Get a free debit Mastercard virtual card to spend in stores, online or in apps, and easily manage all your business finances in one app. You’ll also enjoy free ATM withdrawals, intelligent spending analytics with Statistics, and free instant bank transfers with N26 MoneyBeam and SEPA Instant Credit Transfers. For full details and availability, see our T&Cs.

Separating your business finances from your personal banking is a smart move for freelancers and the self-employed. The N26 Business Standard free business bank account can help you to easily keep track of your business expenses and income in one place, which will make bookkeeping and accounting easier as your business grows. Enjoy convenient 24/7 banking with N26 Business Standard, and manage your business finances on-the-go directly on your smartphone, or via the N26 WebApp on desktop.

Opening your N26 Business Standard bank account is a quick, easy and paperless online process that takes minutes. All you need is your smartphone and a photo ID to get started—there’s no minimum deposit amount. Once we’ve verified your identity, you can begin using your free business bank account right away.

You can find our eligibility criteria and more information at our Support Center.

You must use your personal first and last name to open your N26 Business Standard bank account. This free business bank account is designed for freelancers and the self-employed doing business under their own name—your company name cannot be on the account or card.

Your 0.1% cashback is calculated for every purchase made with your N26 Mastercard. We’ll automatically deposit your cashback into your N26 Business Standard bank account each month—there’s no extra steps for you to take.

No, you cannot hold two N26 bank accounts at the same time. If you already have a personal account with us and wish to open a free business bank account, you must close your personal N26 bank account first before signing up for an N26 Business Standard bank account.

Because the N26 Business Standard bank account is designed for business banking, you’re expected to use it mainly for business purposes—including spending related to your business, such as paying the rent, or traveling for work. However, you may also use your free business bank account for personal spending, as long as these are a minority compared to your business spending.