The business account for freelancers
Business Standard
The free business plan for your daily banking needs.- 0.1% cashback on card payments
- Free virtual debit card
- 3 free ATM withdrawals in euros
Business Smart
The business plan with intelligent features that help organize your spending.- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
- 0.1% cashback on card payments
Business Go
The plan that takes your business further — at home or on the go.
Business Metal
The premium business plan built for saving and investing.- Exclusive 0.5% cashback on card payments
- Mobile phone insurance and purchase protection
- Metal debit card
Business Standard
The free business plan for your daily banking needs.- 0.1% cashback on card payments
- Free virtual debit card
- 3 free ATM withdrawals in euros
Business Smart
The business plan with intelligent features that help organize your spending.- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
- 0.1% cashback on card payments
Business Metal
The premium business plan built for saving and investing.- Exclusive 0.5% cashback on card payments
- Mobile phone insurance and purchase protection
- Metal debit card
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1 *Eligible cashback spending: 1% cashback on card payments outside the EEA, UK, and Switzerland — paid into your account monthly. Detailed T&Cs can be found on n26.com/hb-ex.
2 Exclusions and restrictions apply. Please note that terms used may be defined according to the Conditions for Beneficiaries and can differ from everyday language. 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.
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%.