N26 Business Smart

Intelligent business banking for freelancers

Master your finances with N26 Business Smart, the online business bank account with an Italian IBAN. Discover powerful features to better manage your money, and enjoy 0.1% cashback on all card purchases.

Image of a mobile phone showing a subaccount on the screen and a black busimness N26 debit card in the side.
hand holding a N26 business debit card with the words "Spend" and "Save" in the background.

Your unique Business Mastercard, accepted worldwide

Stand out from the crowd with a Mastercard debit card in a color of your choice. Enjoy stress-free payments around the world with zero foreign transaction fees, and get unlimited free ATM withdrawals across Italy and the Eurozone. Keen to get started? Simply add it to Apple Pay or Google Pay, and start spending with your smartphone even before your physical card arrives.

0.1% cashback on all card purchases

When you’re running your own business, every bit counts. Earn every time you spend with 0.1% cashback on all purchases made with your N26 Mastercard. There’s no extra steps needed—you’ll automatically get your cashback calculated and deposited into your bank account every month.

N26 You Timeline Feature in App.

Smart business banking is here

Real-time spending Statistics

Track your business expenses with Statistics, an intelligent tool that automatically categorizes your transactions. Get a complete overview of all your outgoing and incoming transactions, and easily keep track of your monthly budget.

Never forget to save with Rules

Need to set money aside for your upcoming tax payment? Create Rules to set up recurring transfers between your main account and your Spaces sub-accounts—every day, week, fortnight, or month.

Bank from anywhere, at anytime

Say goodbye to inconvenient banking hours and waiting in line. You can access your N26 Business Smart bank account online on your smartphone or desktop 24/7, so you can save your time for what really matters.

Easier bookkeeping and tax returns

A few clicks is all it takes to export your bank statements as PDF or CSV files via the N26 WebApp on desktop. Stay organized by adding your own #tags to each transaction, and easily find them again in the future.

image of two N26 subaccount showing the "main account" and "Taxes" spaces to budget money.

Organize your finances with N26 Spaces

Whether you want to set money aside for future tax payments or need a dedicated savings pot for your projects, effortlessly set money aside with up to 10 Spaces sub-accounts. Create a space, give it a name, and set a savings target to keep yourself on track. To save up even faster, you’ll soon be able to round-up your card purchases to the nearest euro, and automatically transfer the spare change to a space of your choice.

Discover Spaces

Get paid in seconds with instant bank transfers

Successfully delivered a project? Receive transfers from clients in seconds when they send a payment using SEPA Instant Credit Transfers. Or, use MoneyBeam with other N26 customers to instantly send, receive and request money from your N26 app.

Explore instant payments
N26 You Instant Push Notification about payment to an airline with two flight tickets in the background.

Secure business banking

Mastercard 3D Secure

Shop online with peace of mind thanks to Mastercard 3D Secure—the two-factor authentication step that protects your online payments.

Push notifications after every transaction

Receive instant alerts on your smartphone for all activity in your bank account—track your card payments, ATM withdrawals, direct debits, and incoming transfers.

Log in with biometric authentication

Keep your banking logins extra secure by using FaceID or fingerprint identification to verify your identity.

Full control of your security settings

N26 è dotata di licenza bancaria europea e ogni conto è protetto dal Fondo tedesco di tutela dei depositi fino a 100.000 €.

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Take your business further with N26 Perks

Access an exciting range of special partner offers that are perfectly suited to freelancers and the self-employed. Take advantage of special discounts from renowned brands such as Mubi, Blinkist, Lime, and more. Our partner offers are regularly updated, so you can treat yourself to generous discounts all year round.

Partner Offers

Customer support on the phone or chat

Looking for assistance? Whatever your need, our N26 Customer Support specialists are available to help in Italian, English, French, Spanish, and German. Contact us via the dedicated hotline reserved for premium customers, or start a chat in your N26 app. Have a simple question? You can also find answers to our most frequently asked questions in the N26 Support Center.

N26 You Business Card, Ocean.

N26 Business Smart. The clever business banking choice for freelancers.

Open your business bank account for only €4.90 per month, and discover business banking that’s convenient, intuitive, and smart.

Sign up from your desktop or smartphone in just 8 minutes—no paperwork required.

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FAQs

What are the advantages of the N26 Business Smart bank account?

N26 Business Smart is the bank account for freelancers and the self-employed that comes with powerful tools to better manage your business finances. Pick your unique N26 Mastercard debit card from a choice of 5 colors, and enjoy unlimited free withdrawals in Italy and across the Eurozone. Get a complete overview of your monthly expenses by category thanks to Statistics, and create up to 10 Spaces sub-accounts to easily budget and save for all your business needs. You’ll also enjoy fee-free payments in any currency, and access to exclusive partner offers. For more information, see the N26 Business Smart Terms and Conditions.

Do I need a business account if I work as a freelancer?

N26 Business Smart is designed for freelancers and the self-employed—you must open your bank account using your name. Opening a business bank account is a good way to separate your personal expenses from those related to your business—it’ll allow for easier accounting and money management as your business grows.

How can I open a N26 Business Smart bank account?

To open an N26 Business Smart bank account, you must meet our eligibility criteria. If you do, you can register directly on our website or by downloading the N26 app on a compatible smartphone—it only takes a few minutes, and there’s absolutely no paperwork involved. Once you’ve verified your identity, you can start using your business bank account right away.

Do I need to open the account under my name or under the name of my business?

To open a business bank account with N26, you must register with your first name and surname. The N26 Business Smart bank account is designed for freelancers who run their business under their own name. This means that you cannot open an account or request a card in your company's name.

How can I get the cashback with my N26 Business Mastercard?

With N26 Business Smart, you earn 0.1% cashback on every purchase you make with your N26 Mastercard. Your cashback will be calculated and credited to your account every month automatically—you don't have to do a single thing!

Can I open a personal account and a business account with N26?

No. At the moment, it’s not possible to have two N26 bank accounts at the same time. If you have a personal N26 bank account and wish to open an N26 Business Smart bank account, you will first need to close your personal N26 account.

What happens if I use my N26 Business Smart bank account for my personal expenses?

N26 Business Smart is an account designed for freelancers, so you are expected to use it mainly for business purposes. However, you may also use it for your personal expenses, as long as these represent a minority compared to business-related expenses. You may use your N26 Business Smart bank account to receive payments from clients, and for paying expenses related to your business such as for travel or for rent.