Is N26 Business available for business in Germany?

Availability

N26 Business for business in Germany: Available with limits

Key eligibility: For self employed people and freelancers resident in Germany; the account is held in your own name, not a company name
Non resident position: Requires residence in Germany or another supported country; not offered to non resident companies
Local currency support: Euro account with a German reachable IBAN
Headline monthly fee: N26 Business Standard at 0 euros a month, with paid tiers above

Availability and fees as of 7 June 2026Last reviewed 7 June 2026

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

N26 Business is available in Germany, with limits. As of 7 June 2026, N26 is a Berlin based bank and Germany is its home market, where it offers business accounts to self employed people and freelancers who are resident there, held in the person own name. It is not designed for registered companies such as a GmbH or UG. The N26 Business Standard tier is free. Verify current terms and your eligibility with the provider.

Does N26 Business serve business customers in Germany?

Yes, with limits. As of 7 June 2026, N26 Bank AG is headquartered in Berlin and Germany is one of its core markets. It offers N26 Business accounts to self employed people and freelancers who are resident in Germany, opened in the individual own name with a German IBAN. The business accounts are not intended for incorporated companies such as a GmbH or UG, which need a different type of account. Confirm the current position with the provider.

Eligibility for businesses in Germany

N26 Business is for registered freelancers and self employed individuals who are resident in Germany, aged 18 or over, opening the account in their own name with a valid identity document and a supported tax residency. Incorporated companies are not eligible for these accounts as of 7 June 2026, and residence in a supported country is required. Verify with the provider

What it costs locally

N26 Business Standard has no monthly fee as of 7 June 2026. Paid tiers, N26 Business Smart, N26 Business You and N26 Business Metal, carry monthly fees with added features such as more sub accounts and higher cashback. A cashback of 0.1 percent applies on card purchases, and certain services such as cash deposits carry fees. As of 7 June 2026

What local users report

Self employed users in Germany generally describe N26 as a fast, app based euro account that is easy to open, with the main limitation being that it suits sole traders and freelancers rather than incorporated companies. Experience varies by business profile. Confirm current features and fees with the provider as of 7 June 2026.

How to open N26 Business for business in Germany

Confirm you are a freelancer or self employed person resident in Germany and have a valid identity document.
Apply through N26 and complete the identity verification, then choose the Business Standard or a paid tier.
Once verified, activate your euro account and Mastercard and start using your German IBAN.

Open with N26 Business →

Questions about N26 Business in Germany

Is N26 Business available in Germany?

Yes, with limits. As of 7 June 2026, N26 offers business accounts to self employed people and freelancers resident in Germany, held in their own name. It is not designed for incorporated companies. Verify your eligibility with the provider.

Can a GmbH open an N26 Business account?

Not as of 7 June 2026. The N26 Business accounts are for self employed people and freelancers in their own name, not for incorporated companies such as a GmbH or UG. Confirm directly with the provider.

Does N26 Business cost anything in Germany?

N26 Business Standard has no monthly fee as of 7 June 2026, while N26 Business Smart, You and Metal carry monthly fees with extra features. Verify the current pricing with the provider.

Does N26 Business provide a German IBAN?

Yes. As of 7 June 2026, N26 Business provides a euro account with a German reachable IBAN for resident self employed users. Confirm with the provider.

Availability, fees, and eligibility change. This page was last reviewed on 7 June 2026. Confirm the current position with N26 Business before applying.