N26 Business business account review fees, eligibility and availability

Snapshot

N26 Business is a free digital business account from N26, a licensed German bank, for self employed people who bank in their own legal name. It suits freelancers and sole traders across the euro area, not registered companies.

Who it suits: Freelancers, sole traders and other self employed people who want a euro account in their personal legal name.
Broadly available in: 24 European markets including Germany, Austria, France, Spain, Italy, the Netherlands and Ireland, plus Switzerland, as of 16 June 2026.
Headline monthly fee: EUR 0 a month on Business Standard, as of 16 June 2026.
Account type: Digital business current account for the self employed, held in your legal name.

Fees and features as of 16 June 2026Last reviewed 16 June 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

N26 is a Berlin based bank, N26 SE, with a mobile first account aimed at the self employed. The business range comes in four plans: Business Standard at EUR 0, Business Smart at EUR 4.90, Business Go at EUR 9.90 and Business Metal at EUR 16.90 a month, all as of 16 June 2026. Every plan gives a German IBAN, a Mastercard, cashback on card spending and deposit protection up to EUR 100,000. Accounts are opened in your legal name, so a registered company such as a GmbH cannot be the account holder.

Overview

N26 offers a single euro business account for people who are self employed. The four plans differ mainly by card type, savings rate, travel perks and cashback rather than by core banking. Business Standard is free and includes a virtual debit card, 0.1 percent cashback on card payments and two free euro ATM withdrawals a month. Paid plans add a physical card, more sub accounts, higher cashback and travel cover. Figures shown as of 16 June 2026.

Strengths

A genuinely free standard plan, cashback on all card spending, no N26 foreign transaction fee on worldwide card payments, fast app based opening, a German banking licence and deposit protection up to EUR 100,000.

Limitations

Only the self employed can open, and the account is held in your legal name, so a GmbH or UG cannot be the holder. It is a single euro account rather than a true multi currency account, cash handling is limited, and paid plans require a 12 month commitment.

Fees and features

All figures as of 16 June 2026. Verify current terms with N26 Business.
Monthly fee	Business Standard EUR 0, Business Smart EUR 4.90, Business Go EUR 9.90, Business Metal EUR 16.90, as of 16 June 2026.
Transaction fees	SEPA transfers in euros are included. A physical debit card costs EUR 10 on Standard and is included from Smart upward, as of 16 June 2026.
FX fees	Card payments worldwide carry no N26 foreign transaction fee. ATM withdrawals outside the euro area cost 1.7 percent on Standard and Smart and are free on Go and Metal, as of 16 June 2026.
Minimum deposit	None stated.
Multi currency	No. N26 Business is a single euro account, not a multi currency account.
Integrations	Apple Pay and Google Pay are supported, with in app statements and sub accounts. Verify current integrations with N26.
Eligibility	You must use the account primarily for business, not already be an N26 customer, and live in a country where N26 operates. Accounts are opened in your legal name, as of 16 June 2026.

Open a N26 Business business account

Availability and fees vary by country. Check the N26 Business by country pages below for your market, then confirm current terms with the provider. Shown as of 16 June 2026.

Visit N26 Business →

N26 Business by country

Questions about N26 Business

Is N26 Business free?

Business Standard has no monthly fee as of 16 June 2026. Paid plans Smart, Go and Metal add features for EUR 4.90, EUR 9.90 and EUR 16.90 a month and require a 12 month commitment. Confirm current pricing with N26. This is general information, not advice.

Can a GmbH open an N26 Business account?

No. N26 Business accounts are for self employed people and are held in your legal name, so registered companies such as a GmbH or UG are not eligible as of 16 June 2026. Verify with N26.

Which countries can open an N26 Business account?

N26 lists 24 European markets including Germany, Austria, France, Italy, Spain, the Netherlands and Ireland, plus Switzerland, as of 16 June 2026. Check the current list with N26.

Does N26 Business support multiple currencies?

No. It is a single euro account. Card payments work worldwide with no N26 foreign transaction fee, but you cannot hold balances in other currencies. For multi currency holding, compare providers that offer it. As of 16 June 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 16 June 2026. Confirm current terms with N26 Business before applying.