N26 Business You

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.

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