N26 business account
N26’s business account is available in four different variants: Business Standard, Business Smart, Business Go and Business Metal. Each variant has its own monthly costs and features, such as cashback percentages, the number of available sub-accounts, and access to additional services. On this page, you will find a detailed overview of the available business accounts, the associated costs, and the advantages and disadvantages.
About N26
N26 Bank SE is a digital bank (neobank) headquartered in Berlin, Germany. The bank was founded in 2013 and offers financial products in several European countries. N26 operates under a German banking licence and is therefore covered by the German deposit guarantee scheme, with protection of up to €100,000 per account holder. In the Netherlands, N26 provides its services via its digital platform; there are no physical N26 offices in the Netherlands for private individuals or businesses.
N26 Business Accounts
N26 business accounts are designed for freelancers and self-employed entrepreneurs who want to manage their business income through a digital account. Each plan differs in price, functionality and additional services such as sub-accounts, insurance and cashback. Below, we set out the relevant costs and features for each plan:
N26 Business Standard
Costs per month: €0.00
Customer due diligence costs per month: €0.00
Costs per transaction: €0.00
Estimated time to open an account: a few minutes via app
N26 Business Smart
Costs per month: €4.90
Customer due diligence costs per month: €0.00
Costs per transaction: €0.00
Estimated time to open an account: a few minutes via app
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N26 Business Go
Costs per month: € 9,90
Customer due diligence costs per month: € 0,00
Costs per transaction: € 0,00
Estimated time to open an account: a few minutes via app
N26 Business Metal
Costs per month: €16.90
Customer due diligence costs per month: €0.00
Costs per transaction: €0.00
Estimated time to open an account: a few minutes via the app
N26 Business cost overview
Costs per month
Costs per transaction
Debit card costs per month
Cost of replacing a debit card (one-off)
Cost of an additional current account per month
N26 Business Standard
€0.00
0
€0.00
€10.00
€0.00
€0.00
N26 Business Smart
€4.90
0
€0.00
€10.00
€0.00
€0.00
N26 Business Go
€9.90
0
€0.00
€10.00
€0.00
€0.00
N26 Business Metal
€16.90
€0.00
€0.00
€0.00
€0.00
€0.00
Please note: all stated rates are based on the most up-to-date information as of 10 October 2025. Depending on usage, additional charges may apply. Always consult the provider's website for a complete and up-to-date overview.
Pros and cons of the N26 business account
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N26 business account plans
N26 offers four business accounts aimed at sole traders and freelancers. All packages are intended for business use in a personal name. Below is a description per package of what is included and which conditions apply. Want to see a better alternative straight away? Then discover the possibilities of opening a business account with GoDutch.
Business Standard
Business Standard is N26's free business account. The account comes with a virtual prepaid Mastercard. A physical debit card is optionally available for a one-off fee of €10.00. With every purchase made using the card, 0.1% cashback is automatically paid out at the end of the month.
The account offers standard features such as real-time notifications and the ability to send payment requests. No sub-accounts are included, and no telephone customer service is available.
Business Smart
Business Smart is a business account with a monthly fee of €4.90. The account includes one physical Mastercard and one virtual card. Users receive 0.1% cashback on all card transactions. Up to 10 sub-accounts, each with its own IBAN, are included.
Additional features such as round-ups, shared spaces (Shared Spaces) and premium partner deals are part of this package. Customer service is available via chat, chatbot and telephone. This is a business account intended for self-employed people who want to expand their financial management with additional digital features.
FAQ
Frequently asked questions about the N26 business account
How long does it take to open a business account with N26?
Opening a business account with N26 usually takes a few minutes. The entire application is completed digitally via the N26 app, with identification carried out using a valid identity document and a short verification procedure. Once approved, the account is immediately available for use.
How much does a business account cost at N26?
The costs of a business account with N26 range from €0.00 to €16.90 per month, depending on the chosen package. Business Standard is free, Business Smart costs €4.90 per month, Business Go €9.90 per month, and Business Metal €16.90 per month. No transaction fees are charged for these business accounts.
How long does it take to apply for a business account with N26?
The application for a business account with N26 can be completed within a few minutes. The application process takes place entirely via the N26 app. Users must enter basic details, complete an identity check, and confirm that the account will be used for business purposes. Once verification is complete, the account is activated immediately.
How do I close my N26 business account?
You can close your N26 business account via the app or web interface once all transactions have been processed. In some cases, you must provide an alternative account number for any refunds. N26 explains this on Closing an N26 business account.
