N26 Business You

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.

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.

Find more information in our Support Center.

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!

N26 Business You comes with an extensive insurance package provided by Allianz. This includes trip cancellation insurance, coverage for luggage loss and theft, and coverage for travel delays and medical emergencies while traveling.

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.

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.

N26 Spaces are sub-accounts that sit alongside your main account, and are a practical way to organize your business finances. As a premium customer, create up to 10 Spaces sub-accounts with unique IBANs in your N26 app, then easily set money aside for your taxes, future projects, savings goals, and more. Each space can have its own unique IBAN, which you can use to pay your business expenses via direct debit, or to get paid via SEPA transfers directly into a sub-account. Of course, you don’t have to add an IBAN to your space if you don’t need one — the choice is yours.

Working with a team? Simply open a Shared Space, and manage your business funds together with up to 10 other N26 customers. Please note that an IBAN can’t be added to a Shared Space for now. Learn more about N26 Spaces and all its features here.

In a word: yes! If you’re freelance or self-employed, you can open an N26 business bank account with sub-accounts in just 8 minutes, directly from your smartphone. With N26 Business You, in addition to 10 sub-accounts with unique IBANs, you also benefit from comprehensive travel insurance and can withdraw money fee-free, anywhere in the world and at any time.

At N26, we provide a free account-switching service together with our partner finleap Connect. With this service, you can request to switch bank accounts in just 10 minutes. Not sure if you can switch from your current bank to N26? No worries! Simply visit our account-switching service page and type in the name of your current bank to find out. Switching your bank account to N26 is possible from almost any German bank. If you need more information, visit our website and discover how easy it is to switch banks with N26.