Five N26 You cards floating in the air.

N26 Business You

The business bank account for freelancers with travel insurance from Allianz.

Create the right impression

N26 Business You is a bank account with travel insurance for freelancers and the self-employed with 0.1% cashback plus free ATM withdrawals and your choice of card color – Ocean, Rhubarb, Sand, Aqua or Slate.

N26 You Business Card, Ocean.

Zero foreign currency fees

When it comes to business, the small fees can soon add up. That's why there are no fees on the card payments you make anywhere in the world and you'll get unlimited free ATM withdrawals abroad, in any currency.

N26 You Timeline Feature in App.
N26 You Spaces Overview in App.

An insurance package for work and travel

Go global thanks to an extensive insurance package from Allianz Assistance that includes compensation for flight delays and lost luggage, car, bike and scooter cover, plus medical emergencies inclusive of dental treatment and winter sports.

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 displays these with a clear visual overview in the app.

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.

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N26 You exclusive partner benefits.

Discounts on the tools you need

With brand-name partners like WeWork and Hotels.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.

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.

Shared Spaces
Smartphone with the N26 Spaces open on it.
N26 Bank Account Moneybeam example transaction.

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.

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

Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

Shared Spaces is only available for N26 accounts with a German IBAN. This feature will be soon available for N26 accounts with an Italian IBAN opened from 03/26/2020.

Frequently Asked Questions

What are the benefits of a N26 Business You bank account with travel insurance?

N26 Business You is a premium membership bank account purely intended for freelancers and the self-employed. It has all the same benefits of N26 You, plus 0.1% cashback on purchases.

What do I need to open a N26 Business You bank account?

You may be eligible to open an N26 Business You bank account if…

  • You are over 18 and hold a valid form of ID (varies by location)
  • You’re a freelancer or are self-employed (the account must be registered in your name, not your business’s name)
  • You intend to use the account primarily for business purposes
  • You’re not already an N26 user
  • You reside in one of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia, Slovenia and Sweden.

How does the 0.1% cashback on purchases work?

You’ll receive your 0.1% cashback on all Mastercard purchases made directly into your N26 account automatically. This is calculated and deposited on a monthly basis. You don’t need to take any additional action!

What kind of travel insurance does N26 Business You bank account offer?

N26 Business You comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, mobile phone theft, medical cover in case of emergencies abroad, an extended warranty on qualifying purchases, and much more.

Does the N26 Business You bank account offer no foreign transaction fees?

No, it doesn’t have any foreign transaction fees. You can withdraw money for free worldwide, and pay anywhere Mastercard is accepted. With N26 Business You, you’ll never pay foreign currency fees and we’ll never charge you for withdrawing money.

What does N26 Business You bank account extended warranty cover?

If the equipment covered by extended warranty is damaged as a result of a material or manufacturing defect, and this falls within the warranty validity period, the cost of a new purchase or repair will be reimbursed in accordance with the guarantee conditions.

What are the differences between the N26 You bank account and N26 Business You bank account?

N26 You is a personal account, not to be used for business purposes. In comparison, N26 Business You is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of N26 You. At the moment, it’s only possible to hold one bank account per person with N26.

Can I manage payments and receive incoming funds from public institutions with my N26 account?

N26 is not a collaborating entity of Seguridad Social or the Agencia Tributaria, an essential requirement to process public aid. Therefore, it’s not currently possible to process these types of transactions with your N26 account. Although you currently can’t either pay your taxes from your N26 account (self-employed quota, VAT, etc.), or receive benefits (pensions, unemployment benefit, Minimum Life Income, etc.) you can receive tax refunds into it—for example, tax returns.

We’re working to offer a solution in the near future, and make our customers’ day-to-day easier.

What are the implications of N26 not being a collaborating entity with Seguridad Social and Hacienda?

As N26 is not a collaborating entity, your account has the following limitations:

  • You cannot pay taxes to the AEAT (Agencia Estatal de Administración Tributaria).
  • You cannot receive Seguridad Social benefits, including pensions, ERTE (Expediente de Regulación Temporal de Empleo), unemployment benefits, etc.

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.