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.

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*Up to €50,000 balance, after which fees apply. Please see the Terms & Conditions for more information.

N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

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.

N26 Bank Account real time notifications about payments.

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.

N26 Bank Account Moneybeam example transaction.

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 SecureCode - Icon - N26 Security.

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.

N26 Bank Account categorising transactions for statistics.

Business banking goes premium, with 0.5% cashback

N26 Business Metal is the premium account for freelancers and the self-employed wanting the most from their business. Get an exclusively-designed stainless steel Mastercard, 0.5% cashback on all your purchases, smartphone insurance, priority Customer Support, and much more.

Get N26 Business Metal

We'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.

N26 Bank Account Customer Service Chat in App.
N26 You Business Card, Ocean.

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

What are Eligibility Requirements?

  • 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

Is N26 Business free?

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.

After a balance of €50,000 or higher a custody fee may apply.

Should I open the account with my personal name or with my business name?

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.

Can I have a regular N26 bank account and an N26 Business account at the same time?

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.

How do I get my cashback on Mastercard purchases?

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!

What happens if I use my N26 Business account for personal spending?

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.

N26 Business Smart—the smart bank account for freelancers

Discover a new intuitive way to do business banking. Get 0.1% cashback on all card purchases, plus customer phone support in 5 languages. Enjoy unlimited ATM withdrawals in Italy and across the Eurozone, and get up to 10 Spaces sub-accounts to better organize your business finances.