Five N26 You cards floating in the air.

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.

N26 You Business Card, Ocean.

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.

N26 You Timeline Feature in App.
N26 You Spaces Overview in App.

Go global thanks to an extensive insurance package from Allianz Assistance that includes compensation for flight delays and lost luggage, car, bike and scooter cover, plus medical emergencies inclusive of dental treatment and winter sports.

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

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

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

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

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.
N26 You exclusive partner benefits.

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.

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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Smartphone with the N26 Spaces open on it.

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.

Shared Spaces

Plus, more helpful features...

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

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

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.

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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, Slovenia 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 on a monthly basis. 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.

How do Spaces sub-accounts work, and what can I use them for?

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.

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.