N26 Business You

The business bank account for freelancers with travel insurance from Allianz Assistance, for just €9.90 per month.
Open Bank Account

Zero foreign currency fees

When it comes to business, small fees can add up fast. With N26 Business You, enjoy fee-free card payments anywhere in the world and unlimited free ATM withdrawals abroad — in any currency.
N26 You Timeline Feature in App.

Get comprehensive travel insurance

Go global thanks to an extensive insurance package from Allianz Assistance. Get coverage for travel delays, trip cancellation, trip interruption, and lost or stolen baggage. Plus, you’re also protected if you’re personally liable for damage to a third party or in case of a medical emergency — including emergency dental treatment — while you're traveling.
Open Bank Account
Illustration of a mobile with a broken screen.

Reinvest with 0.1% cashback

You’ll receive 0.1% cashback on any purchases made using your N26 Mastercard, calculated monthly and paid directly into your account.

#Tag your transactions

#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.

Real-time activity notifications

Stay up to date. Get a push notification immediately after all account activity, including card payments, withdrawals and transfers.

Mastercard SecureCode - Icon - N26 Security

3D Secured payments

Mastercard SecureCode gives you an extra layer of security that helps prevent fraud when making payments online with your N26 Business You account.

Always get a breakdown of your spending

Your N26 Business You account comes with built-in artificial intelligence that automatically categorizes and labels your purchases and gives you a clear visual overview of your finances. It’s all right at your fingertips in the Insights section of your N26 app.
Open Bank Account
N26 Bank Account categorising transactions for statistics.

An extra card to keep you moving

When it comes to business, small hiccups can cause serious delays. Order an extra card for your Business You account to make sure the cash keeps on flowing, even when you’ve misplaced your wallet.

Discounts on the tools you need

With brand-name partners like Grover, Bolt, and Booking.com, N26 Business You comes with a wide range of continuously updated offers and discounts to help your freelance business grow – whether you’re working at home or abroad. Discover current perks in the N26 app.
N26 You exclusive partner benefits.

Spaces for planning

Spaces is an in-app feature that lets you create up to 10 separate "sub-accounts", perfect for budgeting business expenses. Create up to 10 individual spaces and add or transfer money between these and your main account. Now, you’re also able to add up to 10 other users into the same sub-account! Shared Spaces makes saving up for a group project or managing funds for a co-working space even easier.
Smartphone with the N26 Spaces open on it.

Faster payments with MoneyBeam and SEPA Transfer

Top up your N26 Business You account through a debit card after signing-up, and send, receive and request money from other N26 users listed in your contact list with real-time MoneyBeam payments.Need to get your invoices paid as soon as possible? Get your hard-earned money into your account faster when your client uses SEPA Instant Credit Transfer – it only takes a few seconds.
N26 Bank Account Moneybeam example transaction.

Plus, more helpful features...

Print your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

Banking on the big screen

First, sign up to N26 using the mobile app. Then, view your account from a desktop or other device using our web 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

*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 the Euro area. Fees and charges are applicable for services other than those indicated. For complete contractual and economic conditions, see the information sheets. Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

Frequently Asked Questions

  • What are the benefits of a N26 Business You bank account with travel insurance?
  • What do I need to open a N26 Business You bank account?
  • How does the 0.1% cashback on purchases work?
  • What kind of travel insurance does the N26 Business You bank account offer?
  • Does the N26 Business You bank account offer no foreign transaction fees?
  • What are the differences between the N26 You bank account and N26 Business You bank account?
  • Can I manage payments and receive incoming funds from public institutions with my N26 account?
  • What are the implications of N26 being a collaborating entity with Seguridad Social and Hacienda?

Allianz Logo - Updated June 2020. Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the N26 app. N26 Business You features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C S.A. - Dutch branch), one of Europe’s most trusted insurance companies.