N26 Business Smart

The bank account for freelancers and the self-employed

Start managing your business account directly from your phone—in real-time and with intuitive features. Take back control of your money, with 0.1% cashback on all your card purchases.

Open you N26 Business Smart account, for just €4.90 per month.

Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

Your N26 Business Smart card—all in color

Choose from 5 colors for your Mastercard debit card—Ocean, Rhubarb, Sand, Aqua or Slate. Each month, get 5 free ATM withdrawals in the Eurozone and free payments worldwide. Your card is compatible with mobile payments, and you can add it to your mobile wallet and start spending even before the physical one arrives.

Get cashback on your business spending

When you shop with your N26 card, you’ll receive 0.1% cashback on all card purchases. And you won’t have to lift a finger—the total amount is automatically paid into your N26 Business Smart bank account each month. It’s the easiest way to reinvest in your own business.

N26 You Timeline Feature in App.

Intuitive features to manage your business

Track your business expenses

Your spending is automatically categorized with Statistics, and organized in handy financial overview.

N26 accompanies you wherever you go

Managing your business bank account has never been easier. You control all the parameters of your N26 card from the app, and everything is displayed in real-time—even your account balance.

Save with Rules

To save regularly with sub-accounts, set up automatic Rules—define the sum and the frequency, and we’ll take care of the rest.

Organize your tax returns

Download your statements in PDF or CSV from the desktop WebApp, and add personalized hashtags to label your transactions.

image of two N26 subaccount showing the "main account" and "Taxes" spaces to budget money.

Save up for business goals with Spaces

Save money with up to 10 Spaces—sub-accounts for easier saving. Whether it’s for office plants or future tax returns, simply set a goal and move money over from your main account into your space. And Round-Ups will allow you to round your card purchases up to the nearest euro, and transfer the difference directly into a space.

Discover Spaces

Manage your transfers easily

Carry out all your transactions from your N26 app—from occasional transfers (SEPA or international transfers) to direct debits. Do your employees also use N26? Send a MoneyBeam to other N26 users and move money instantly, whenever you want.

N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Your secure business bank account

Mastercard 3D Secure

Your online purchases are protected thanks to Mastercard 3D Secure, an advanced two-factor authentication step.

Instant push notifications

Receive alerts on your smartphone after each transaction, and get notified immediately when you receive payments from clients.

Biometric identification

Keep your business banking information safe and your finances secure by signing in with fingerprint identification or facial recognition.

Protection of deposits up to €100,000

As a European bank with a banking license, your money is protected up to €100,000 under the German Deposit Protection Fund.

woman pointing a sign in a magazine page.

Treat yourself with partner offers

Enjoy partner offers, perfectly suited to freelancers and the self-employed. With N26 Perks, choose from a wide selection of ever-changing lifestyle discounts from the likes of Blinkist, Mubi and Lime, and tap into tools such as Google Ads and Fiverr that help build, manage and grow your business.

View partner offers

N26 Customer Support via the phone

Whatever your needs, our customer service agents are always on hand to help. If you encounter a problem or have a question, simply contact our specialists via the in-app live chat, or call us on our premium customer hotline. Alternatively, check out our Support Center to quickly find answers to frequently asked questions.

N26 You Business Card, Ocean.

Your business bank account in minutes

Open your N26 Business Smart bank account for just €4.90 per month. Enjoy immediate access to intuitive business banking features, and get 0.1% cashback on all your card purchases.

Open your account from your desktop or smartphone in minutes, without any paperwork.


What are the advantages of the N26 Business Smart bank account?

N26 Business Smart is a bank account for freelancers and the self-employed. It comes with a colorful Mastercard debit card, and intuitive features to help you easily manage your business finances. With Statistics, get an automatic categorization overview of your spending in a handy overview, and create up to 10 sub-accounts with Spaces—including Shared Spaces to save money with other N26 users. Get free withdrawals from ATMs in the Eurozone and enjoy free payments in any currency around the world. You also have access to exclusive partner offers and discounts, and a priority Customer Support hotline. See our Terms and Conditions for full details.

I am a freelancer: why should I open a bank account with N26?

N26 Business Smart is a bank account that’s designed for freelancers and the self-employed. This account is in your personal name and can’t be in the name of your business. If you’re self-employed, it helps to separate your personal and business finances and with N26 Business Smart, you can do this from anywhere—directly from your smartphone or the WebApp on your desktop.

How do I open an N26 Business Smart account?

To open an N26 Business Smart bank account for freelancers, you must meet our eligibility criteria. If you do, open your bank account from our website or by downloading the N26 app on a compatible smartphone. The opening of your business account takes minutes, and is done without paperwork. Once you've verified your identity, your business bank account will be ready to use.

For more information on opening an N26 Business Smart bank account, as well as the documents you need, visit our Support Center.

If you already have an N26 Business account, you can directly upgrade to an N26 Business Smart account from the N26 mobile app.

Can I open an N26 Business Smart account for my company?

To open an N26 Business Smart account, you must use your personal first and last name. This business bank account is designed for freelancers and the self-employed who conduct business operations under their own name. This means that your company name cannot appear on the N26 Business Smart account or card.

How do I get my cashback on Mastercard purchases?

With N26 Business Smart, you receive 0.1% cashback or cashback on all purchases made with your N26 card. Your discount will be automatically calculated and paid into your N26 Business Smart account every month. No further action is necessary from your side.

Can I use my N26 Business Smart account for my personal expenses?

N26 Business Smart is the bank account for self-employed entrepreneurs and freelancers, therefore, you should use it mainly for business purposes. However, you can also use it for private purposes as long as they are in the minority compared to your business expenses. You can also use it to receive payments from clients and for expenses related to your business activity, such as business travel or paying rent for your office.