N26 Business You

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

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.
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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.
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N26 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.
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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

  • What are the benefits of a N26 Business You bank account with travel insurance?
  • What do I need to open a N26 Business You bank account?
  • How does the 0.1% cashback on purchases work?
  • What are the differences between the N26 You bank account and N26 Business You bank account?
  • Is the N26 You Mastercard a debit or credit card?
  • Should I open an N26 Business You bank account with my personal name or my business name?
  • Can I hold a personal N26 account and an N26 Business You bank account at the same time?
  • How do Spaces sub-accounts work, and what can I use them for?

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. *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.

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.