N26 You

N26 Business You

The business bank account for freelancers with travel insurance from Allianz.

Create the right impression

N26 Business You is a bank account with travel insurance for freelancers and the self-employed with 0.1% cashback plus free ATM withdrawals and your choice of card color – Ocean, Rhubarb, Sand, Aqua or Slate.

Zero foreign currency fees

When it comes to business, the small fees can soon add up. That's why there are no fees on the card payments you make anywhere in the world and you'll get unlimited free ATM withdrawals abroad, in any currency.

Insurance package for work and travel

Go global thanks to an extensive insurance package that includes cover for flight and luggage delays, as well as ATM and mobile phone theft.

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Reinvest with 0.1% cashback

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

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#Tag your transactions

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

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Real-time activity notifications

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

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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 displays these with a clear visual overview in the app.

N26 Bank Account categorising transactions for statistics

Discounts on the tools you need

With brand-name partners like WeWork and Hotels.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.

Spaces for planning

Spaces is an in-app feature that lets you create up to 10 separate "sub-accounts", perfect for budgeting business expenses. Create up to 10 individual spaces and add or transfer money between these and your main account. Soon, you’ll be able to add up to 10 other users into the same sub-account! Shared Spaces makes saving up for a group project or managing funds for a co-working space even easier – available soon with Business You.

Shared Spaces

Plus, more helpful features...

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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.

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Banking on the big screen

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

*The N26 Business You bank account is available to residents in Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia and Sweden.

Frequently Asked Questions

What are the benefits of a N26 Business You bank account with travel insurance?

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.

What do I need to open a N26 Business You bank account?

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 and Sweden.

How does the 0.1% cashback on purchases work?

You’ll receive your 0.1% cashback on all Mastercard purchases made directly into your N26 account automatically. This is calculated and deposited at the end of every business quarter. You don’t need to take any additional action!

What are the differences between the N26 You bank account and N26 Business You bank account?

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.

Is the N26 You Mastercard a debit or credit card?

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.

Should I open an N26 Business You bank account with my personal name or my business name?

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.

Can I hold a personal N26 account and an N26 Business You bank account at the same time?

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

Legal Notice

allianz-global-assistance

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.