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.
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