Compare N26 bank accounts for freelancers in France
FIND THE PERFECT PLAN FOR YOUR BUSINESS
N26 Standard
The free* digital business bank account with cashback for freelancers
Virtual Card
€0.00/Month
N26 Standard
The free* digital business bank account with cashback for freelancers
Virtual Card
€0.00/Month
Services and Fees for everyone who registers with an address in France.
For our detailed price list, view PDF here These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 You, Business You or N26 Metal account.
For our detailed price list, view PDF here These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the N26 You, Business You or N26 Metal account.
*Deposits into N26 Instant Savings account earn interest at an annual gross nominal rate of 2.25% with N26 Metal, 1.05% with N26 You, and 0.75% with N26 Smart and N26 Standard (as of 05.02.2025). These may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank AG, Succursale France.
**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***Currently, the Shared Spaces feature is only available to N26 account holders with a German IBAN (customers in a business relationship with N26 Bank AG).
****Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks.
Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://n26.com/en-fr/crypto.
*****Stocks and ETF is currently only available to N26 account holders with a French IBAN (customers in a business relationship with N26 Bank AG, Succursale France). These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market.
Bank Account for Freelancers FAQ
- You’re 18 years old or older
- You’re a freelancer or self-employed individual, planning to use this account for professional purposes.
- You aren’t already an N26 account holder.
- You live in a country where N26 operates—Germany, Austria, Belgium, Denmark, Estonia, Finland, France, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Norway, Netherlands, Poland, Portugal, United Kingdom, Slovakia, Slovenia, Spain, Sweden, Switzerland or the United States.
No. Right now, you can only have one bank account with N26. If you already have an N26 Personal account for your personal finances and wish to open a Business account, you’ll have to close your personal Standard account first. Then you can open your business account.
N26 Business is a bank account that’s designed for freelancers and the self-employed. This account is in your personal name and can’t be in the name of your business. If you’re self-employed, it helps to separate your personal and business finances and with N26 Business, you can do this from anywhere—directly from your smartphone or the WebApp on your desktop.
To open an N26 Business bank account for freelancers, you must meet our eligibility criteria. If you do, open your bank account from our website or by downloading the N26 app on a compatible smartphone. The opening of your business account takes only minutes, and is done without paperwork. Once you've verified your identity, your business bank account will be ready to use.
For more information on opening an N26 Business bank account, as well as the documents you need, visit our Support Center.
If you already have an N26 Business account, you can directly upgrade to an N26 Business Smart, N26 Business You or N26 Business Metal account from the N26 mobile app.
To open an N26 Business account, you must use your personal first and last name. This business bank account is designed for freelancers and the self-employed who conduct business operations under their own name. This means that your company name cannot appear on the N26 Business account or card.
The major difference between a personal bank account and a business account is what it’s used for. As the name suggests, personal bank accounts are designed for personal, day-to-day use. Conversely, business accounts are only intended for business transactions. A business account gives you a better overview of your business expenses and enables you to store the relevant receipts more easily. This blog post tells you more about the differences between these two kinds of accounts.