N26 Business Black

The bank account for freelancers and the self-employed gives you all the benefits of N26 Black, plus spend on your card and receive 0,1% cashback, all for just €9,90 a month.

Get where you’re going.

Business Black has benefits designed to keep you focused on your business and help you save on your travel expenses.

Business Black Card

Make business trips more secure.

Complete with comprehensive trip insurance. Travel worry-free with foreign medical cover based on the Insurance General Terms and Conditions.

Get what your money’s worth abroad.

We don’t charge percentage fees on foreign currencies and always give you the mid-market rate. You get what your money is worth, without it being eaten up by extra fees.

Reinvest right back into your business.

With Business Black you get 0,1% cashback on all purchases made with your Mastercard. To keep it neat, the cashback money is transferred to your account on a quarterly basis.

Keep your work devices safe.

Worried the new work laptop will suddenly break down? Pay with Business Black and it’s covered with an extended warranty.

Business Black N26 and Spaces

N26 Spaces gives you clarity over your expenses

Get up to 10 sub-accounts for all your work costs. Put money away for the new work laptop or the upcoming conference or work trip and better control your cash flow.

“My business is constantly changing and evolving so I do feel l need to be an entrepreneur to keep the business moving forward. N26 gives me to the tools to do that.”

— Ruby Barber, florist and founder of Mary Lennox


How do I get Business Black?

If you’re signing up to N26 now, choose a business account during the sign up and select Business Black. If you are an existing N26 Business customer, you can upgrade in your app under the upgrade tab or in N26 web.

How much does Business Black cost?

For a full overview of costs and pricing head over to our pricing page here.

Can I open a second business account?

At the moment, we only support users having one account.

Is the N26 Business Black account an account for enterprises?

No, the account is only available for freelancers and those who are self-employed.

How do I start a claim?

Start a claim by going to N26 Business Black under My Account in the N26 app. Collect all the necessary documents for each type of claim, as instructed, and contact Allianz Global Assistance Europe at n26warranty.nl@allianz.com, to handle your claim. You also have the option of placing a call directly to Allianz. Allianz’s service times are from 8.00 am to 5.00 pm CET on Mondays to Fridays (excluding public holidays).

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 Black 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.