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.
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
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
Switch banks in minutes
Open your N26 account and move your recurring payments in just a few taps.
*The new limited-edition virtual cards can be activated at no extra cost. Up to six virtual cards can be activated at one time. Football virtual cards are only available from June 11 until July 20, 2026.
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.
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FAQ
N26 Business Standard is a flexible, free business bank account that makes online banking even easier for freelancers and self-employed individuals. Within seconds of opening the account, get a free virtual N26 Mastercard 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.