The business account for freelancers

PersonalBusiness

Compare every detail

Business Standard

Free
Select Standard
Select Standard
Select Standard

Business Smart

€4.90/month
Select Smart
Select Smart
Select Smart

Business Go

€9.90/month
Select Go
Select Go
Select Go

Business Metal

€16.90/month
Select Metal
Select Metal
Select Metal
Free
Select Standard
Select Standard
Select Standard
€9.90/month
Select Go
Select Go
Select Go

Cashback
0.1%
0.1%
0.1%
0.5%
Cashback
0.1%
0.1%
Virtual card
1
1
1
1
Virtual card
1
1
Physical card
€10
card-colored.
Included5 colors
card-colored.
Included5 colors
card-shiny.
Metal card included3 colors
Physical card
€10
card-colored.
Included5 colors
Spaces sub-accounts
10
10
10
Spaces sub-accounts
10
Shared Spaces
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Shared Spaces
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Free ATM withdrawals in Italy and eurozone
3 per month
Unlimited
Unlimited
Unlimited
Free ATM withdrawals in Italy and eurozone
3 per month
Unlimited
Budgeting automations
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Budgeting automations
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Worldwide card payments
Free
Free
Free
Free
Worldwide card payments
Free
Free
Free ATM withdrawals outside the eurozone
1.7% fee
1.7% fee
Free
Free
Free ATM withdrawals outside the eurozone
1.7% fee
Free

Travel and baggage delays1
Up to €500
Up to €500
Travel and baggage delays1
Up to €500
Baggage cover1
Up to €2,000
Up to €2,000
Baggage cover1
Up to €2,000
Emergency medical and dental1
Up to €1 million for medical and €250 for dental
Up to €1 million for medical and €250 for dental
Emergency medical and dental1
Up to €1 million for medical and €250 for dental
Emergency medical transport1
Up to €2,300
Up to €2,300
Emergency medical transport1
Up to €2,300
Trip interruption1
Up to €10,000
Up to €10,000
Trip interruption1
Up to €10,000
Trip cancellations1
Up to €10,000
Up to €10,000
Trip cancellations1
Up to €10,000
Personal liability1
Up to €500,000
Up to €500,000
Personal liability1
Up to €500,000
Mobile phone insurance1
Up to €2,000
Mobile phone insurance1
Purchase protection1
Up to €2,500 per claim
Purchase protection1
Partner offers
Rentcars logo.
+15
Rentcars logo.
+20
Partner offers
Rentcars logo.
+15

24/7 chat support
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24/7 chat support
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Phone support
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Priority line
Phone support
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Deposit protection
Up to €100,000
Up to €100,000
Up to €100,000
Up to €100,000
Deposit protection
Up to €100,000
Up to €100,000
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Open your N26 account and start enjoying beautifully simple banking.
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1 Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet (Business Metal | Business Go) and Conditions for Beneficiaries (Business Metal | Business Go). You can see all 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 Business Go and Business 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.

FAQ

    Download the N26 app and follow the steps to open an N26 business account. Once you’ve verified your identity your account will be ready to use. For more information on opening an N26 business bank account, as well as the documents that you need, visit our Support Center.

    To be eligible for an N26 business account, you must:
    • Use the account primarily for business purposes
    • Not already be an N26 user
    • Live in a country where N26 operates: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland

    Use your legal first and last name to sign up for an N26 business account. These accounts are made for self-employed people doing business under their own name. This means you can’t have your company’s name on the account or debit card.

    Yes. If you’re self-employed, an N26 business account is a good way of separating your business finances from your personal banking. It makes accounting and bookkeeping easier as you grow your business.

    You may use your business account for personal spending as long as you mainly use the account for business expenses. To be eligible for an N26 business account, you must use it primarily for business purposes.

    No. You can’t have a business account and a personal account at the same time.

    Yes. You earn cashback on all purchases made with your N26 Mastercard debit card. Cashback is calculated and deposited automatically on a monthly basis. If you have an N26 Business Standard, Smart, or Go account you earn 0.1% cashback. Upgrade to N26 Business Metal to earn 0.5%.