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 for sole proprietors, Core 7.99 euro, Pro 13.99 euro, Elite 23.99 euro per month. As of 11 October 2026. | Business Standard is free and Business Smart is EUR 4.90 a month. Business Go and Business Metal cost more, so check their current prices with N26. As of 11 October 2026. |
| Transaction fees | Each plan includes a set number of transactions, then charges per extra transaction. Check the current plan sheet for your tier. | On Business Smart the first physical card and up to six virtual cards are included, and up to four more physical cards cost EUR 10 each. N26 charges 1.5% on cash deposits. As of 11 October 2026. |
| FX fees | Foreign exchange is included on higher plans; lower plans apply a conversion fee. Verify current terms with bunq. | N26 lists worldwide card payments as free. Its plan table shows a 1.7% fee on ATM withdrawals outside the euro area on Standard and Smart, and none on Go and Metal. Confirm the business plan terms with N26. As of 11 October 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 | Check which accounting integrations each plan includes with bunq. | Apple Pay and Google Pay are supported, with in app statements and sub accounts. Verify current integrations with N26. |
| Eligibility | Businesses and freelancers registered in a country bunq serves. Confirm your country, company type and owner residency rules with bunq. | 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 markets including the Netherlands, where bunq is based. Verify your country with bunq. | European markets including Germany, Austria, France, Spain, Italy, the Netherlands and Ireland. Check the full list with N26. |
bunq suits a company or sole proprietor that wants several accounts in one app, with 3 accounts on the free plan and 25 on Pro. N26 Business suits a freelancer who wants a euro account in their own legal name and can use it mainly for business. N26 allows only one account per person, so an existing N26 customer cannot add a second one.
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 → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers. Visit N26 Business → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.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 11 October 2026. Confirm current terms with each provider before applying.