The intelligent business bank account for freelancers

N26 Business Smart is a premium business bank account that comes with a colorful debit Mastercard and intelligent features to better manage your business expenses. Use Statistics for an AI-driven overview of your business expenses, and get 10 Spaces sub-accounts—including Shared Spaces to save together with others. You’ll also enjoy free ATM withdrawals, free payments in any currency worldwide, and access to exclusive partner offers. See our T&Cs for full details and availability.

N26 Business Smart bank account is designed for freelancers and the self-employed, and you must register with your personal first and last name. A business bank account is a smart investment to separate your business finances from your personal banking. A dedicated business bank account will make for easier accounting and bookkeeping as you grow your business. With N26 Business Smart, you can manage your business finances from anywhere, on your smartphone or via the WebApp on desktop.

To open an N26 Business Smart account, you must meet our eligibility criteria. If you do, simply register on our website, or by downloading the N26 app onto a compatible smartphone. Opening your business bank account takes only 8 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 Smart bank account, as well as the documents that you need, visit our Support Center.

To sign up for N26 Business Smart, you must use your personal name and last name. The N26 Business bank account is designed for self-employed and freelance users doing business under their own name. That means you can’t have your company’s name on the account or card.

With N26 Business Smart, you’ll earn 0.1% cashback on all card purchases made with your Mastercard. Your cashback will be automatically calculated and deposited into your N26 Business Smart account on a monthly basis—you don’t need to take any additional action!

N26 Business Smart is the online business bank account designed for freelancers, therefore you’re expected to use it mainly for business purposes. However, you can also use it for private purposes, as long as these are a minority compared to your business spending. You may also use it to receive payments from customers, and for spendings related to your business activity, such as traveling or to pay the rent.

Spaces are sub-accounts that sit alongside your main business bank account, and are a practical way to organize your finances. Create up to 10 Spaces when you sign up for N26 Business Smart, and transfer funds in and out of your spaces as often as you like—all it takes is just a few taps in your N26 app. Use spaces to set aside upcoming business expenses and tax payments, or invite up to 10 other N26 users to manage business funds together. To save up even easier, you can round-up each card transaction to the nearest euro, and stash the difference to a space of your choice.

How do Spaces sub-accounts work, and what can I use them for? 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 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—but stay tuned for more exciting updates to come! Learn more about N26 Spaces and all its features here