N26 Business You

Annual account feeAccount fee
118.80  €
Cash withdrawal
Cash withdrawal note
If the account has a regular cash income of over 1,000 €, than there are 5 free withdrawals per month, else 3 free withdrawals per month. Withdrawals outside of the Euro-Zone are free of charges by N26.
0.00 €
Interest rate p.a.
8,9 %
  • Bank offers English registration form
  • 5 free international cash withdrawals per month
  • Includes Allianz travel insurances
  • 0.1 % Cashback on all payments with Masterard
  • Subaccounts help you organizing your cashflow
  • Not available if you already have a private account at N26
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N26 Business You
Grade 1.4
Yearly Fee
14 of 15
Onlinebanking & -fees
22 of 22
Telephonebanking & Offline banking
0 of 6
4 of 5
Credit Card & Bank Card
14 of 14
Card payments
16 of 20
Mobile payments
3 of 3
Flexibility of legal types
4 of 12
Apps, Useraccounts & Deposit Insurance
12 of 19
2 of 2
Accounting, Billing & other features
2 of 10
93 of 128
Grade 1.4
Bank N26 Bank GmbH
Account name N26 Business You
Annual account feeAccount fee 118.80 €
Credit interest
Interest rates on overdrafts 8,9 % p.a.
Costs & Fees
Annual Fees
Account fee p.a. 118.80 €
Credit card fee p.a.
Transaction fees
Online transactions free of charge p.M. Unlimitiert
Online transactions 0.00 €
Paper transactions
Telephone banking
Payment costs
Credit Card Mastercard
Fees per payment euro zone 0.00 €
Foreign exchange fee 0.00 %
Cash withdrawal costs
Free Withdrawals p.m. 5
Cash withdrawal (domestic) 0.00 €
Cash withdrawal (euro zone) 0.00 €
Foreign exchange fee 1.70 %
Legal forms
Freelancers & Sole Proprietors
Sole proprietorship
Sole traders
Corporations & Limited Companies
GmbH / KGaA / AG
UG limited liability
Limited (Ltd)
Partnership under civil law
Kommanditgesellschaft (KG)
General partnership
Partnership company (PartG)

N26 offers the business account in three different variants. While the business account in the classic form is intended for business customers who are looking for a free account that fulfils all essential services, the N26 Business You business account with its black Mastercard goes a little further.

It is primarily interesting for business people who often travel abroad. The premium product “Metal” offers the complete service package with selected partner offers, but is even more expensive. In this respect, the N26 product range covers the individual needs of business customers with a wide variety of requirements.

Services of the N26 Business You business account

The basic services of N26’s business account include the withdrawal of cash in euro and payment in all currencies. Cash withdrawals are also possible worldwide in any currency. A black Mastercard is linked to the You account. It guarantees a comprehensive service package for various insurance companies that are interesting when travelling.

The Allianz insurer covers treatment costs when travelling abroad in the case of acute illnesses as well as injuries after accidents when travelling. Expenses are reimbursed for flight delays if the delay exceeds four hours. Late delivery of baggage is also reimbursable if it exceeds four hours. Smartphone and cash theft is refundable. Mastercard insurance coverage is valid all over the world.

Who can use the N26 Business You business account?

The N26 Business You business account is particularly suitable for self-employed people who travel frequently for business reasons. If your business frequently requires you to travel abroad, comprehensive insurance cover is desirable. The “You” credit card gives you this security without you having to take out additional insurance. This means that the card should not be missing on any trip abroad.

Prices & Conditions of the N26 Business You Business Account

The basic fee for the account is 9,90 Euro per month. Included in this price is the free withdrawal of cash in euros from the machine. Payments can be made worldwide in all currencies free of charge and cash withdrawals are also free of charge worldwide. The Allianz insurance package is also included in the price, there are no additional costs for insurance coverage.

Special features of the N26 Business You business account

The most important feature of the N26 Business You business account is certainly the integrated insurance protection for the account holder. Anyone who travels frequently wants to be well covered without taking out an additional insurance policy. However, you should pay attention to the details in the insurance conditions. Otherwise, it may happen that a service you expect is not provided and that you have to pay the costs of an insured event out of your own pocket.

Advantages and disadvantages of the N26 Business You Business Account

The biggest advantage of the account is certainly the integrated insurance cover abroad. As a rule, such benefits are only included in the price of premium class accounts. If you are frequently abroad, it is worth checking the insurance conditions more closely and making use of this service. Disadvantageous are the general restrictions that N26 provides for business customers. For example, it is not possible to open another account for private use only.

All advantages of the N26 Business Business Account at a glance

  • Free payment in any currency
  • Transactions in real time as push message to mobile phone
  • Export of all transactions as CSV file
  • Automatic categorization of all issues
  • Transactions in real time as push message to mobile phone
  • Web app and mobile phone app available
  • Online invoice tools can be integrated
  • Travel insurance included (treatment costs on trips abroad in case of acute illnesses as well as injuries after accidents on trips)
  • Reimbursement for flight or baggage delays of more than 4 hours
  • Insurance cover for theft of smartphones and cash
  • Mastercard insurance coverage worldwide

Open a business account with N26

The account opening is done within a few minutes on the website. It is paperless, the application and the activation are completely online and thus completed within a few minutes.

Conclusion to the N26 Business You business account

The business account N26 Business You is an interesting variant for freelancers who are often on business trips. Comprehensive insurance cover is included in the price for a small monthly fee. In addition, the account is interesting for all who are looking for a cheap online account with all the important services for freelancers.

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