N26 Business Standard

A 100% digital, free* business bank account for freelancers

Freelancers, meet N26 Business Standard—the everyday business bank account with zero hidden fees and an Italian IBAN for local payments. Wave goodbye to complicated banking, and manage your business expenses right from your phone in one intuitive, easy-to-use app. Sign up online in just 8 minutes—no paperwork required.

The N26 Standard bank account includes 3 free withdrawals in the Eurozone per month, after which a €2 fee applies per withdrawal. The virtual Mastercard debit card is free of charge, and a €10 one-off delivery fee applies when requesting a physical Mastercard debit card. Please see the Terms & Conditions for more information.

Your debit Mastercard virtual card

Get a free virtual card for contactless payments, and start paying with your debit Mastercard in apps, in stores, and online with Apple Pay and Google Pay. Enjoy 3 free ATM withdrawals per month with your Mastercard at any contactless-enabled ATM in Italy and the Eurozone.

Prefer a physical card? Simply order a business Mastercard debit card in your N26 app for a one-off €10 delivery fee.

Earn as you spend with 0.1% cashback

When you’re growing your business, every euro counts. Easily re-invest in your business with 0.1% cashback on all purchases made with your N26 Mastercard. And best of all, we’ll automatically credit your account each month—you don’t have to lift a finger.

Save time and money with instant bank transfers

Use MoneyBeam to send, receive, and request money in real-time from other N26 customers for free. Waiting on bank transfers from clients? Have your invoices paid out to your N26 Business Standard bank account using SEPA Instant Credit Transfers to receive it in seconds.

Plus, with instant push notifications for every incoming and outgoing payment, it’s easy to stay on top of your business banking.

Learn more

Breezy business banking in one nifty app

Fast and secure login

Your account security is our top priority. Protect your account details by securely logging in using fingerprint identification or FaceID.

3D Secure for online payments

Pay online with peace of mind thanks to Mastercard 3D Secure (3DS), a two-factor authentication step for confirming online purchases.

Organize your business expenses

Create personalized #tags for each of your transactions, and readily find all related business expenses with a single tap in your N26 app.

Your money is protected

With our full European banking license, your funds are protected up to €100,000 by the German Deposit Protection Scheme.

Effortlessly manage your money with N26 Spaces

Whether you’re putting money aside for taxes or saving up for a dream project, N26 Spaces sub-accounts make it as simple as a drag-and-drop. Unlock 10 Spaces with every N26 premium subscription, and automatically move funds aside every day, week, fortnight or month with Rules.

Craving an extra boost? Activate the premium Round-Ups feature in a space of your choice, and steadily save up your spare change every time you pay with your N26 Business Mastercard.

Upgrade now to unlock 10 Spaces

Prefer to bank from your laptop? Easy.

If you're more comfortable on your desktop, there’s no need to switch. Access your business bank account at any time via the N26 WebApp.

Stress-free tax returns

Export your transaction list in CSV or PDF format from the N26 WebApp, or download your bank statements directly from the mobile app.

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

N26 Customer Support at your service

Need assistance? Find all the answers to our frequently asked questions in the N26 Customer Support Center, or start a chat with our Customer Support specialists in your N26 app. We’re here for you in English, Italian, French, German, and Spanish.

Visit our Support Center

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.

A 100% digital bank account for your freelance business

Join over 7 million N26 customers worldwide and discover a hassle-free solution for your business banking needs. Explore our premium subscriptions to compare our business bank accounts, or open your N26 Business Standard bank account now in just 8 minutes—directly from your smartphone.

*The “N26 Standard” current account includes zero fees for the maintenance of the account, the issuance of a virtual debit card and the authorization of virtual debit card transactions, ordinary SEPA transfers in Euros, standing transfer orders, SEPA direct debits, three cash withdrawals a month at ATMs in Euro area. Fees and charges are applicable for services other than those indicated. For the complete contractual and economic conditions, see the information sheets.

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

The N26 Business Standard bank account allows you to manage your business finances from the palm of your hands in one intuitive app. Get a virtual Mastercard for contactless payments online and in stores, and make instant payments for free using MoneyBeam among N26 users. Receive incoming payments in seconds with SEPA Instant Credit Transfers, and enjoy 3 free withdrawals from any ATM with contactless functionality within Italy and across the Eurozone.

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

Keeping your personal and business-related expenses separate helps freelancers manage their finances more effectively. Make bookkeeping and accounting easier for yourself and your business by opening an N26 Business Standard account. Plus, you’ll never have to visit a bank branch again.

How do I open an N26 Business Standard bank account?

Opening an N26 Business Standard account takes only a few minutes and can be done directly from a smartphone. If you meet our eligibility criteria, all you need is a compatible smartphone and a valid ID document. Once we’ve verified your identity, you can add your virtual N26 Business Mastercard debit card to your mobile wallet, and begin using your business bank account right away.

Should I register with my personal name or company name?

You’ll need to use your personal first and last name to open a N26 Business Standard bank account. All N26 Business bank accounts are designed for freelancers and the self-employed who run their business under their own name.

How do I receive cashback with my N26 Business Mastercard?

Your 0.1% cashback is automatically calculated by us for every purchase made with your N26 Business Mastercard—there’s no action required from your side. We’ll deposit your cashback to your N26 Business Standard account every month.

Can I have both a business account and a personal account with N26?

Unfortunately, you cannot hold both a personal and business bank account with N26 at the same time. If you already have a personal N26 account and want to open an N26 Business account, you must first close your personal N26 account before registering for an N26 Business account.

Can I use my N26 Business Standard bank account for personal expenses?

The N26 Business Standard bank account is designed for freelancers. For this reason, it’s expected that the majority of your spending will be for business purposes. However, you can also use it for personal expenses, as long as these are a minority compared to your business spending. Some examples of accepted personal use include paying rent, or for expenses incurred during your business trips.