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 abroad and your choice of card color: Ocean, Rhubarb, Sand, Aqua, or Slate.
Zero foreign currency fees
When it comes to business, small fees can add up fast. With N26 Business You, enjoy fee-free card payments anywhere in the world and unlimited free ATM withdrawals abroad — in any currency.
Get comprehensive travel insurance
Go global thanks to an extensive insurance package from Allianz Assistance. Get coverage for travel delays, trip cancellation, trip interruption, and lost or stolen baggage. Plus, you’re also protected if you’re personally liable for damage to a third party or in case of a medical emergency — including emergency dental treatment — while you're traveling.
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.
Commission-free trades every month
With N26 You, get 5 free monthly trades for stocks and ETFs****. It’s the simple way to invest in your future without having to leave your banking app.
Discover Stocks and ETFs
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 gives you a clear visual overview of your finances. It’s all right at your fingertips in the Insights section of your N26 app.
Waiting List
Discounts on the tools you need
With brand-name partners like Grover, Bolt, and Booking.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. Discover current perks in the N26 app.
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.
Read more
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.
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
- 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.
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.
You may be eligible to open an N26 Business You bank account if…
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!
N26 Business You comes with an extensive insurance package provided by Allianz. This includes trip cancellation insurance, coverage for luggage loss and theft, and coverage for travel delays and medical emergencies while traveling.
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.
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.
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****Investments in stocks and ETFs carry a risk of capital loss. N26 Stocks and ETFs is provided by N26 Bank AG in partnership with Upvest Securities GmbH. Stocks and ETF is currently only available to N26 account holders with a French IBAN (customers in a business relationship with N26 Bank AG, Succursale France). Learn more N26 Stocks and ETFs on this page.