Overview
N26 Business, at a glance.
N26 Business is a bank headquartered in Germany, regulated by BaFin and ECB. Business accounts cost from €0 a month. Opening an account takes 3–5 days.
Deposits are protected by the German deposit protection scheme up to €100,000.
Why businesses pick N26 Business
- A free plan with no minimum deposit
- A licensed bank, with deposits protected up to €100,000
- No N26 fee on card spending in other currencies
- Opens in minutes after identity verification
- Support in five languages
Watch out for
- Only for freelancers and the self-employed trading under their own name; companies cannot apply
- The account cannot show a company name
- You must live in one of 21 supported countries
- Euro only
- The physical card costs €10 on the free plan
Business fit
Will N26 Business accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on N26 Business's published rules
Needs review
N26 Business works with Self-employed professionals, but does not publish the countries it accepts companies from.
N26 Business does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What N26 Business publishes about the businesses it takes on.
Who N26 Business serves
- Freelancers
- Professional services
- Creative
All 5 industries on N26 Business's accepted list
- Self-employed professionals
- Freelancers
- Sole traders
- Registered professionals
- Autónomos/individual entrepreneurs
Not supported
Industries and countries N26 Business does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use N26 Business?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
- EUR
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency21 countries · show list
- Austria
- Belgium
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Iceland
- Ireland
- Italy
- Liechtenstein
- Luxembourg
- Netherlands
- Norway
- Poland
- Portugal
- Slovenia
- Spain
- Sweden
- Switzerland
Company types
Freelancers and the self-employed
Pricing
What does N26 Business cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
€0–16.9
depends on plan
Business Standard
Lowest cost€0 per month
€0 setup · €0 in year one
Business Smart
€4.9 per month
€0 setup · €58.8 in year one
Business Go
€9.9 per month
€0 setup · €118.8 in year one
Business Metal
€16.9 per month
€0 setup · €202.8 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| SEPA | Free | No charge |
Other fees
Cards
| Cost | Business Standard | Business Smart | Business Go | Business Metal | How it is charged |
|---|---|---|---|---|---|
| Virtual card issue | Free | Free | Free | Free | No charge |
| Physical card issue | €10 | Not published | Not published | Not published | Fixed fee |
| Card FX | Free | Free | Free | Free | No charge |
| ATM withdrawal | 1.7% | 1.7% | 1.7% | 1.7% | Percentage of the amount · Outside the euro area on Standard and Smart; free on Go and Metal |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is N26 a bank?
Yes. N26 Bank SE holds a full German banking licence. Deposits are protected up to €100,000 by the German deposit protection scheme.
Can a company open an N26 Business account?
No. N26 Business is for freelancers and the self-employed trading under their own name. Incorporated companies cannot apply.
How much does N26 Business cost?
Business Standard is free. Smart costs €4.90 a month, Go €9.90 and Metal €16.90. The physical card costs €10 on the free plan.
Where is N26 Business available?
To residents of 21 European countries, including Germany, France, Spain, Italy, the Netherlands, Ireland, Poland and Switzerland.
Alternatives
How N26 Business compares.
If N26 Business is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 N26 BusinessThis pageBank |  | FreelancersFree account |
 QontoPayment institution |  | FreelancersInvoicing tools |
 FinomE-money institution |  | Freelancers and small companiesInvoicing |
| bunq BusinessBank | | Deposit protectionFreelancers |
 WamoE-money institution |  | Free planSole traders |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.