bunq and N26 Business compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
bunq vs N26 Business at a glance
| Feature | bunq | N26 Business |
|---|---|---|
| Account type | App based business current account with a euro IBAN | Digital business current account for the self employed, held in your legal name. |
| Who it suits | Freelancers and small to medium companies based in the EEA that want a mobile first euro account with multi currency features. | Freelancers, sole traders and other self employed people who want a euro account in their personal legal name. |
| Monthly fee | Free Business 0 euro, Core 7.99 euro, Pro 13.99 euro, Elite 23.99 euro per month (as of 15 June 2026). | 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 | Each plan includes a set number of transactions, then charges per extra transaction. Check the current plan sheet for your tier. | 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 | Foreign exchange is included on higher plans; lower plans apply a conversion fee. Verify current terms with bunq. | 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 | No minimum balance stated for the business plans (as of 15 June 2026). | None stated. |
| Multi currency | Yes. Multiple currencies are supported, with the range and any savings rates depending on the plan. | No. N26 Business is a single euro account, not a multi currency account. |
| Integrations | Accounting integrations are available on paid plans. | Apple Pay and Google Pay are supported, with in app statements and sub accounts. Verify current integrations with N26. |
| Eligibility | EU or EEA registered businesses and freelancers, with beneficial owners typically resident in the EEA. Confirm your country and company type with the provider. | 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. |
| Broadly available in | European Economic Area, with business eligibility focused on EU markets such as the Netherlands, Germany, France, Spain, Italy and Ireland. Verify your country with the provider. | 24 European markets including Germany, Austria, France, Spain, Italy, the Netherlands and Ireland, plus Switzerland, as of 16 June 2026. |
Use the table to weigh the differences. bunq and N26 Business tend to differ most on account type and currency support, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 15 June 2026 for bunq and 16 June 2026 for N26 Business. Confirm current terms with the provider before applying.
Visit bunq → Visit N26 Business →Questions about bunq and N26 Business
Which is better for my business, bunq or N26 Business?
Can I open both bunq and N26 Business?
Are the fees on this page current?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 June 2026. Confirm current terms with each provider before applying.