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.

Zero foreign currency fees

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.
Illustration of a mobile with a broken screen.

An insurance package for work and travel

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.

Reinvest with 0.1% cashback

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

#Tag your transactions

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

Real-time activity notifications

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

3D Secured payments

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

Always get a breakdown of your spending

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.

Discounts on the tools you need

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.

An extra card to keep you moving

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.

Spaces for planning

Spaces is an in-app feature that lets you create up to 10 separate "sub-accounts", perfect for budgeting business expenses. Create up to 10 individual spaces and add or transfer money between these and your main account.Whether you're saving money for the next conference you will attend or to decorate your work space, setting money aside is easier with a dedicated space.

Shared Spaces

Plus, more helpful features...

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, view your account from a desktop or other device using our web app.

N26 Business Metal, THE business account

N26 Business Metal is our most premium account, dedicated to you and your business. Get a signature metal Mastercard, and enjoy 0.5% cashback on all your purchases, an extensive insurance package, special partner offers, and more.

Upgrade to N26 Business Metal

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 kind of travel insurance does N26 Business You bank account offer?

N26 Business You comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, mobile phone theft, medical cover in case of emergencies abroad, an extended warranty on qualifying purchases, and much more.

Does the N26 Business You bank account offer no foreign transaction fees?

No, it doesn’t have any foreign transaction fees. You can withdraw money for free worldwide, and pay anywhere Mastercard is accepted. With N26 Business You, you’ll never pay foreign currency fees and we’ll never charge you for withdrawing money.

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.

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.