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.Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
- 0.1% cashback on card payments
BEST FOR TRAVEL
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.Everything in Go, plus
- Exclusive 0.5% cashback on card payments
- Mobile phone insurance and purchase protection
- Metal debit card
FREE ACCOUNT
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
ENJOY MORE CONTROL
Business Smart
The business plan with intelligent features that help organize your spending.Everything in Standard, plus
- Free physical debit card
- Up to 10 Spaces sub-accounts
- Budgeting automations
- 0.1% cashback on card payments
BEST FOR TRAVEL
OUR TOP RATES
Business Metal
The premium business plan built for saving and investing.Everything in Go, plus
- Exclusive 0.5% cashback on card payments
- Mobile phone insurance and purchase protection
- Metal debit card
Compare every detail
Cashback
Cashback
Virtual card
1
1
1
1
Virtual card
1
1
Physical card
Physical card
Spaces sub-accounts
10
10
10
Spaces sub-accounts
10
Shared Spaces
Shared Spaces
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
Budgeting automations
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
Mobile phone insurance1
Purchase protection1
Purchase protection1
Partner offers
Partner offers
24/7 chat support
24/7 chat support
Phone support
Phone support
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
Start banking better
Open your N26 account and start enjoying beautifully simple banking.
1 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%.