A 100% digital, free business bank account for freelancers

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.

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.

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.

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.

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.

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.

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.