N26 Business
Business banking for freelancers and the self-employed
N26 Business is the free bank account for freelancers and the self-employed. Open yours in minutes from your smartphone, and start making mobile payments before your physical card arrives.
Free Business Mastercard debit card
Our business bank account comes with a free Business Mastercard – it includes all the benefits of the N26 Standard Mastercard like free ATM withdrawals in the eurozone. Make payments online or in-store anywhere in the world without fees.
Earn 0.1% cashback
Get 0.1% cashback on all purchases when paying with your N26 Mastercard —reinvesting the profits straight back into your business.
Stay on top of business in real-time
Stay up to date. Receive push notifications immediately after all account activity, including card payments, direct debits, and transfers. You’ll always be in the know regarding the finances of your business.
Organize your budget with Spaces
Spaces lets you create sub-accounts for managing your saving goals and budgeting in real time. Use them to set money aside for your projects or to organize your business expenses. Plus, you can participate in shared sub-accounts to manage finances collectively, e.g. with your collaborators.
Discover Spaces
Hassle-free tax returns with N26 Business
Download your transactions list
For easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.
Automate your savings
Discover Rules, our feature that lets you set up recurring transfers from your Main Account to a Spaces sub-account. Choose the amount and frequency, and create your Rule – the N26 app will automatically set money aside for whatever you need.
Free SEPA transfers
Making a SEPA transfer with your N26 Business account is easy and free. Plus, you can use MoneyBeam to send, receive or request money in real-time from other N26 customers.
Urgently need to get paid? With the addition of SEPA Instant Credit Transfer on the horizon, your client can pay your invoice in seconds. You’ll receive your money immediately.
Secure and transparent
No hidden fees
Enjoy free ATM withdrawals in euros and free payments in any currency wherever you are in the world with your N26 Business Mastercard.
Personalized settings
With N26, you have full control over your account and card settings—block and unblock your card, set your own payment limits, change your PIN code at any time…
Mastercard 3D Secured payments
Mastercard 3D Secure (3DS) is an extra layer of security that helps prevent fraud when you make online payments using your N26 account.
Secure and fast login
Log into your N26 Business account anytime with password or fingerprint – it's fast and secure.
Automatic categorization
Forget clunky spreadsheets. The N26 online business bank account uses artificial intelligence to automatically categorize your spending – you’ll always receive an up-to-date overview of your current expenses.
Create your own #tags to personalize your spending even further — #client, #office, #bizness… organizing your transactions has never been easier.
Go premium with N26 Business You and Business Metal
Do you want to get the most out of your business? Upgrade to Business You for travel and lifestyle insurance, 0.1% cashback on your purchases, partner offers and a Mastercard your choice of card color. And if you really want to take it to the next step, N26 Business Metal—our most premium plan—offers you an exclusively-designed Mastercard in stainless steel, 0.5% cashback, smartphone insurance, priority Customer Support, and much more.
Read moreWe're here for you – in 5 languages
If you have any questions or run into any problems, our Customer Support is on hand to help you in Italian, English, French, German and Spanish. Simply send us an email or contact us via chat.
Get your N26 Business bank account
Open a new N26 business account from your phone or computer with our easy, paperless signup process.
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Shared Spaces is only available for N26 accounts with a German IBAN. This feature will be soon available for N26 accounts with an Italian IBAN opened from 03/26/2020.
Frequently asked questions
- You will use the account primarily for business purposes.
- You’re not already an N26 user.
- You reside in a country where N26 operates: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia, Switzerland
N26 Business is free to open online with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or self-employed.
To sign up for N26 Business you must use your personal name and last name. The N26 Business account is designed for self-employed and freelance users doing business under their own name. That means you can’t have your company’s name on the account or card.
It’s possible to do business banking and spending with your N26 Business Mastercard and personal spending with your additional Maestro card on the same account. However, it’s currently not possible to have two separate N26 accounts at the same time.
Since N26 Business is an online business bank account, you’ll receive your 0.1% cashback on all Mastercard purchases directly into your account. This will automatically be deposited on a monthly basis. You don’t have to take any additional steps!
N26 Business is the online bank account designed for freelancers, therefore you’re expected to use it mainly for business purposes. However, you can also use it for private purposes as long as these are in a minority compared to your business spending. You may also use it to receive payments from customers, for spendings related to your business activity such as traveling, or to pay the rent.