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Tribu Indé x N26 : the bank account for freelancers

N26 Business is the free bank account for freelancers and the self-employed. Earn 0.1% cashback on all purchases you make, and enjoy free card payments worldwide.

The N26 Business account is free, the app is sexy and easy to use. The Customer Service is very good, we are very far from what the traditionnal banks offer. Thank you ! ❤️ Alexis Minchella - Creator of Tribu Indé

Go global with a Mastercard debit card

Make payments online or in-store anywhere in the world without fees and Mastercard’s best exchange rate. It’s one card for all your transactions – accepted worldwide.

N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.
N26 Bank Account real time notifications about payments.

Stay on top of business in real-time

Stay up to date. Get push notifications immediately after all account activity, including card payments, direct debits, and transfers.

Earn 0.1% cashback

You’ll get 0.1% cashback for all your purchases when you pay using your N26 Mastercard and reinvest the profits straight back into your business.

Mastercard 3D Secured payments

Mastercard 3D Secure (3DS) is an extra layer of security that helps prevent fraud when making payments online using your N26 account.

No minimum deposit needed

You don’t have to deposit a certain amount or meet earning threshold requirements, so you can open a free business account even if you’re just starting out.

#Tag your transactions

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

Smartphone with the N26 Spaces open on it.

Spaces for your plans

Spaces lets you create sub-accounts for managing your saving goals and budget in real time. Perfect for organizing your business expenses or put money aside for your projects! Plus, you'll soon be able to participate in shared sub-accounts to manage funds collectively, for example with your colleagues. Shared Spaces will soon be available in your N26 app.

Shared Spaces

Automatic categorization. Get a breakdown of your spending

The N26 online business bank account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets—it’s all there in a clear overview in the app.

N26 Bank Account categorising transactions for statistics.

Print your transactions list

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

Banking on the big screen

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

Black N26 Business Metal card.

Get your N26 Business bank account.
It only takes 8 minutes.

Open a new N26 business bank account from your phone or computer in an easy, paperless signup process.

Frequently asked questions

What are the benefits of the free business bank account from N26?

N26 Business Standard is a flexible, free business bank account that makes online banking even easier for freelancers and self-employed individuals. Within seconds of opening the account, get a free virtual N26 Mastercard that lets you pay in stores, apps, and online. Withdraw cash free of charge up to 3 times per month at NFC-equipped ATMs. Send, receive, and request money instantly with MoneyBeam. At the end of the month, see your spending at a glance with Insights, and enjoy 0.1% cashback on every purchase. Find out more in our Terms and Conditions.

Do I need an online business bank account if I’m self-employed?

Generally, it’s a good idea to keep your personal and business expenses separate. The N26 Business Standard free business bank account helps you break down your business expenses and income transparently. As your business grows, this will become more and more helpful when it comes to bookkeeping and taxes. Plus, you can access your free business account at any time and manage your finances directly in the N26 app, or on your desktop computer.

How do I open my free business bank account?

It’s easy to open an N26 Business Standard online business bank account. It requires zero paperwork, and takes only 8 minutes. All you need is your smartphone and your valid photo ID. There’s no minimum deposit amount, and you’ll be able to start using your account and virtual card as soon as your identity is verified!

Go to our Support Center for more details on the requirements for opening a bank account with N26.

Should I open my free business bank account in my own name or in my company’s name?

At N26, our free business bank account is designed for self-employed individuals and freelancers who do business under their own name. Therefore, you have to open the account in your own name. This is the name that will appear in your account and on your virtual N26 Mastercard.

How do I receive my cashback for purchases I made with my N26 Mastercard?

We calculate 0.1% cashback for every purchase you make with your N26 Mastercard automatically. We’ll credit your free business bank account with the total cashback amount once per month—you don’t need to lift a finger.

I am looking for a modern business bank account that allows me to deposit cash. Does an N26 Business Standard account offer this?

Yes, with an N26 business bank account you can deposit cash at over 11,900 partner stores in Germany. Simply deposit money while shopping at REWE, Penny, dm, Rossmann, and other partners. Create a barcode right in your N26 app with just a few taps and show it to the cashier—that's it! Note that we charge a small fee of 1.5% for all cash deposits.

Can I have both a private and a business account with N26?

No. You can only have one account with N26. If you already have a personal account with us and want to open a free business bank account, you’ll have to close the private account first, and then open the N26 Business Standard account.

What happens if I use my online business bank account for private expenses?

Since N26 Business Standard is intended for business purposes, you should primarily use it for your business expenses. This includes overheads like rent for your company premises or expenses for business trips. Still, you can use your free business bank account for private expenses from time to time—as long as this is not the majority of your expenses.

I already have a business bank account with another bank. Can I switch to N26?

If you already have a business bank account with another bank and you would like to switch to N26, you can do so quickly and easily with our free account switching service. Simply head to this page and search for your current bank, then automatically transfer standing orders, direct debits, and incoming payments to your new N26 business account.

What are the monthly fees for an N26 Business Standard account?

If you’re wondering about account management fees for the N26 Business Standard account, we have good news: There are none! N26 Business Standard is a current account with no account maintenance fees, and no minimum deposit.

Your free business bank account comes with a virtual Mastercard, which you can use to pay online, in apps, and in stores. If you'd rather have a physical card, you can order one right in your N26 app for a one-time delivery fee of just €10.

Will I pay negative interest with an N26 Business Standard account?

We do not charge negative interest on deposits to your N26 Business Standard account.

Are small business owners eligible for the N26 free business bank account?

If you’re self-employed and have a small business, the free N26 business bank account may be a good choice for you. Please note that N26 Business Standard is designed for freelancers and self-employed persons who work under their own name. Therefore, you cannot open a bank account in your company’s name.

I have a small business ('Kleingewerbe' in German) and am looking for a business bank account. Is an N26 Business Standard account right for me?

Small businesses that operate under their own name are eligible for our N26 Business Standard account. If this applies to you, then you can open an N26 business account. Please note that you cannot open an account under your company’s name with N26.