N26 You

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.

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.

Insurance package for work and travel

Go global thanks to an extensive insurance package that includes cover for flight and luggage delays, as well as ATM and mobile phone theft.

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Reinvest with 0.1% cashback

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

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#Tag your transactions

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

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Real-time activity notifications

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

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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

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.

Spaces for planning

Carefully organize and budget your business expenses in the app with the help of up to 10 Spaces sub-accounts. Create a space and add money to it over time to reach a specific savings goal, or use it to set money aside for later.

Plus, more helpful features...

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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.

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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.

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 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 at the end of every business quarter. 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.