N26 Business You

The business bank account for freelancers with travel insurance from Allianz Assistance, for just €9.90 per month.

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 You customers get 1.5%* p.a. interest on their savings.  Prefer 2.5%* p.a.? Choose N26 Metal.
Discover Instant Savings
Woman dressed in blue, sitting, and holding her cell phone with the N26 application open. In the foreground, image of the 2% p.a. interest rate, balance in the main account, and in the savings account.

Zero foreign currency fees

When it comes to business, small fees can add up fast. With N26 Business You, enjoy fee-free card payments anywhere in the world and unlimited free ATM withdrawals abroad — in any currency.
N26 You Timeline Feature in App.

Get comprehensive travel insurance

Go global thanks to an extensive insurance package from Allianz Assistance. Get coverage for travel delays, trip cancellation, trip interruption, and lost or stolen baggage. Plus, you’re also protected if you’re personally liable for damage to a third party or in case of a medical emergency — including emergency dental treatment — while you're traveling.
Illustration of a mobile with a broken screen.

Commission-free trades every month

With N26 You, get 5 free monthly trades for stocks and ETFs. It’s the simple way to invest in your future without having to leave your banking app. 
Discover Stocks and ETFs
Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

Reinvest with 0.1% cashback

You’ll receive 0.1% cashback on any purchases made using your N26 Mastercard, calculated monthly and paid directly into your account.

#Tag your transactions

#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.

Real-time activity notifications

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

Mastercard SecureCode - Icon - N26 Security

3D Secured payments

Mastercard SecureCode gives you an extra layer of security that helps prevent fraud when making payments online with your N26 Business You account.

Always get a breakdown of your spending

Your N26 Business You account comes with built-in artificial intelligence that automatically categorizes and labels your purchases and gives you a clear visual overview of your finances. It’s all right at your fingertips in the Insights section of your N26 app.
Open Bank AccountN26 Bank Account categorising transactions for statistics.

Discounts on the tools you need

With brand-name partners like Grover, Bolt, and Booking.com, N26 Business You comes with a wide range of continuously updated offers and discounts to help your freelance business grow – whether you’re working at home or abroad. Discover current perks in the N26 app.
N26 You exclusive partner benefits.

An extra card to keep you moving

Small hiccups can really set you back when it comes to business. Order an extra card for your Business You account and make sure you always have access to your money—even when you’ve misplaced your wallet.
Read more

Plan ahead with Spaces sub-accounts

Want to sort your income by clients, or budget for future expenses? Spaces sub-accounts are the perfect way to get organized. Get a unique IBAN for each sub-account, and set funds aside in seconds. Then set up standing orders for recurring payments, pay bills via direct debit, or send and receive SEPA transfers—right from each space.Working with a team? Share money with up to 10 others in a Shared Space. And to save even faster, try Round-Ups to save up the spare change whenever you pay by card.
Smartphone with the N26 Spaces open on it.

Plus, more helpful features...

Print your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

Banking on the big screen

First, sign up to N26 using the mobile app. Then, view your account from a desktop or other device using our web 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

Frequently Asked Questions


    N26 Business You is a premium membership bank account purely intended for freelancers and the self-employed. It has all the same benefits of N26 You, plus 0.1% cashback on purchases.

    You may be eligible to open an N26 Business You bank account if…
    • You are over 18 and hold a valid form of ID (varies by location)
    • You’re a freelancer or are self-employed (the account must be registered in your name, not your business’s name)
    • You intend to use the account primarily for business purposes
    • You’re not already an N26 user
    • You reside in one of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia, Slovenia and Sweden.
    Find more information in our Support Center.

    You’ll receive your 0.1% cashback on all Mastercard purchases made directly into your N26 account automatically. This is calculated and deposited on a monthly basis. You don’t need to take any additional action!

    N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.

    The N26 You Mastercard is a debit card, which means all transactions occur in real-time and are directly debited from your N26 bank account when you make a purchase.

    To sign up, you must use your own personal first and last names. The N26 Business You bank account is designed for self-employed and freelance users only, who operate under their own name. That means you can’t have your company’s name on the account or card.

    No, it’s not possible to have two N26 accounts at the moment.

    How do Spaces sub-accounts work, and what can I use them for? N26 Spaces are sub-accounts that sit alongside your main account, and are a practical way to organize your business finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in your N26 app, then easily set money aside for your taxes, future projects, savings goals, and more. Each space can have its own unique IBAN, which you can use to pay your business expenses via direct debit, or to get paid via SEPA transfers directly into a sub-account. Of course, you don’t have to add an IBAN to your space if you don’t need one—the choice is yours. Working with a team? Simply open a Shared Space, and manage your business funds together with up to 10 other N26 customers. Please note that an IBAN can’t be added to a Shared Space for now—but stay tuned for more exciting updates to come! Learn more about N26 Spaces and all its features here

The N26 Business You bank account is available to residents in Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia and Sweden. *N26 Instant Savings account interest rates are based on your main N26 Membership: 1.3% p.a. for Standard and Smart, 1.5% for You, and 2.5% p.a. for Metal (before taxes), as of 08.11.2024. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes). Please note that rates per membership are variable and can be changed by N26 over time. ** The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

Allianz Logo - Updated June 2020. Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 Business You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C S.A. - Dutch branch), one of Europe’s most trusted insurance companies.