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.

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.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

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.

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

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.

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
woman pointing a sign in a magazine page.

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.

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?
  • I am a freelancer: why should I open a bank account with N26?
  • How do I open an N26 Business Smart account?
  • Can I open an N26 Business Smart account for my company?
  • How do I get my cashback on Mastercard purchases?
  • Can I use my N26 Business Smart account for my personal expenses?