• Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control

    Go

    A graphic close-up of the front of a teal N26 Mastercard.
    Bank at home or on the go

    Metal

    A graphic close-up of the front of a black N26 Metal Mastercard.
    Make a statement
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control

    Business Go

    A graphic close-up of the front of a teal N26 Business card.
    Manage your business on the go

    Business Metal

    A graphic close-up of the front of a black N26 Business Metal card.
    Premium banking with cashback for your business
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    Features
    MastercardDigital wallets
  • Features
    SpacesGuide to interest rates
  • Highlights
    CRST-18128_PulseSoft_Travel benefits_Nav-highlight_140x140.
    Travel benefits Borderless banking
    A smiling man sits on the floor next to a backpack and looks at his smartphone.
    Travel Insurance Coverage for the unexpected
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
Log in
Log in
Get Business Standard

Company

  • About us

  • Leadership team

  • Investor Relations

  • Sustainability

  • Careers

  • Press

  • Inadempimenti ABF

Help

  • Customer Support

  • Sitemap

  • Complaints

  • Support Center

LEARN

  • Blog

  • Banking basics guide

  • Studies and research

MONEY TOOLS

  • Financial calculators

  • Budget calculator

  • 50-30-20 calculator

  • Interest calculator

  • Inflation calculator

  • Moving cost calculator

  • Festive budget calculator

More

  • Student bank account

  • Security

  • Refer a friend

  • Banking for expats

  • International money transfers

© N26 SE 2026
Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
A woman in a green sweater sits at a wooden desk sketching on architectural blueprints next to a smartphone and material samples.

The free business account for freelancers

Enjoy 0.1% cashback, a virtual card, three free ATM withdrawals per month, and 24/7 chat support — everything your business needs.
Get Business Standard

Cashback on all card payments

Get 0.1% cashback for every payment you make with your N26 Business Mastercard, deposited back into your account monthly.
Two interface pop-up badges display a clock icon with "24 hours" and a speech bubble icon with "Multilingual chat support" against a white background.

Your card, ready to go

Use your free virtual card to pay for professional expenses right from day one, and order a physical Debit Mastercard.1
Meet the N26 Mastercard
A person seated in an armchair holds a smartphone displaying a digital payment card on the screen.

Cash in hand on your terms

Keep more of what you earn with three free monthly ATM withdrawals in the eurozone — because every euro counts.1

Everything your business needs

Manage expenses, track income and spending, and easily keep tabs on all of your transactions — all in one app.

Expert support, day and night

Your business doesn’t stop, and neither do we. Get 24/7 chat support in English, French, German, Italian, or Spanish.3
Get Business Standard
N26 homepage app.

Switch banks in minutes


Open your N26 account and move your recurring payments in just a few taps.
Get Business Standard

*The Confetti Card is a limited-edition design option for your physical N26 Mastercard, available from 26.06.2026 until 31.12.2026 or while stocks last. Physical N26 Mastercards are available according to your N26 plan (Standard, Smart, Go, or Metal) and are subject to the applicable T&Cs and Price List.

1 Exclusions and restrictions apply. For more information, please see the N26 Metal Allianz Assistance Insurance Product Information Sheet and N26 Metal Conditions for Beneficiaries. You can see all the information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for Beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language.

Advertising message for promotional purposes. Please see the contractual documentation for more information in the Legal Documents Section.

FAQ

  • N26 Business Standard is a flexible, free business bank account that makes online banking even easier for freelancers and self-employed individuals. Get up to 6 free virtual N26 Mastercards that lets you pay in stores, apps, and online. Withdraw cash free of charge twice a month at NFC-equipped ATMs in the eurozone. Send, receive, and request money instantly with MoneyBeam. At the end of the month, see your spending at a glance with Insights, and enjoy 0.1% cashback on every purchase. Find out more in our terms and conditions. For a detailed breakdown of the features and benefits included in each plan, please visit our plan comparison page.
  • Generally, it’s a good idea to keep your personal and business expenses separate. The N26 Business Standard free business bank account helps you break down your business expenses and income transparently. As your business grows, this will become more and more helpful when it comes to bookkeeping and taxes. Plus, you can access your free business account at any time and manage your finances directly in the N26 app, or on your computer.
  • It’s easy to open an N26 Business Standard online business bank account. It requires zero paperwork, and takes just minutes. All you need is your smartphone and your valid photo ID. There’s no minimum deposit amount, and you’ll be able to start using your account and virtual card as soon as your identity is verified! Go to our Support Center for more details on the requirements for opening a bank account with N26.
  • At N26, our free business bank account is designed for self-employed individuals and freelancers who do business under their own name. Therefore, you have to open the account in your own name. This is the name that will appear in your account and on your virtual N26 Mastercard.
  • We calculate 0.1% cashback for every purchase you make with your N26 Mastercard automatically. We’ll credit your free business bank account with the total cashback amount once per month — you don’t need to lift a finger.
  • No. You can only have one account with N26. If you already have a personal account with us and want to open a free business bank account, you’ll have to close the personal account first, and then open the N26 Business Standard account.