N26 Business vs Tiime Comparison
Compare N26 Business vs Tiime features, pricing, and more.
Last updated: November 2026
N26 Business
5.2/10
A mobile-first euro business bank account from Berlin-based N26 for freelancers and sole traders in supported EU countries, with debit cards, cashback and budgeting Spaces.
Tiime
6.4/10
French invoicing, pre-accounting and business banking app for freelancers and small companies, with a shared workspace for their chartered accountant.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.2/10 | 6.4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 5/10 | 7/10 |
| Cost | 8/10 | 8/10 |
| Customization | 3/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 3/10 | 5/10 |
| Scalability | 2/10 | 4/10 |
| Security | 6/10 | 6/10 |
| Support | 4/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €5/mo Business Smart | €10/mo Initial (0-1 employee) |
| Estimated cost for 10 users | Free Business Standard | Free Free |
| Features | ||
| Invoicing | ||
| Budgeting and Forecasting | ||
| Corporate Cards | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Expense Management | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
N26 Business vs Tiime cost by team size
N26 Business and Tiime cost the same at every team size we checked.
| Team size | N26 Business | Tiime |
|---|---|---|
| 1 user | FreeBusiness Standard | FreeFree |
| 5 users | FreeBusiness Standard | FreeFree |
| 10 users | FreeBusiness Standard | FreeFree |
| 25 users | FreeBusiness Standard | FreeFree |
| 50 users | FreeBusiness Standard | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose N26 Business
Our data shows no clear advantage over Tiime.
Why choose Tiime
- Higher Support score (7/10 vs 4/10)
- Higher Compliance score (7/10 vs 5/10)
- Better fit for small business (8/10 vs 4/10)
- Includes Invoicing, which N26 Business lacks
Pros & Cons
N26 Business
Pros
- The Standard plan has no monthly fee and includes a virtual card plus 0.1% cashback.
- Card payments in foreign currencies carry no surcharge on any plan.
- Spaces sub-accounts and budgeting rules help freelancers set aside money for tax.
- Metal pays 0.5% cashback and includes purchase and phone insurance.
Cons
- There is no invoicing, no native DATEV link, and no HBCI or EBICS support.
- The account holds euros only and has no foreign-currency transfers in the app.
- Companies such as GmbH or UG cannot open an account, and the company name cannot appear on the account or card.
- Basic-plan customers get no phone support, and Trustpilot users report account freezes and rejected applications.
Tiime
Pros
- Invoicing is free on every tier, with no limit on the number of quotes and invoices, plus e-invoicing through Tiime's registered platform.
- The business's accountant can see its data for free, and around 2,000 accounting firms are reported as partners.
- Bank sync categorises transactions automatically, and receipts can be captured by phone, which cuts pre-accounting work.
- Paid plans come with a 60-day trial, and the entry plan costs 9.99 euros a month.
- Users rate it highly, with about 4.8 out of 5 on Google and Trustpilot.
Cons
- Tiime only does pre-accounting. The full ledger and the tax return package are left to an accountant using Tiime's separate production tool.
- The business account cannot send transfers outside the euro zone and offers no overdraft.
- Reviewers say modules cannot be bought on their own, and the free plan is fairly limited for running a business.
- Users have reported occasional bugs, including after one update on Mac.
- It is aimed at the French market and at companies with up to 20 employees. Larger firms must request a quote.
Not sold on either?
Frequently Asked Questions
Tiime scores higher on our Finance Software criteria: 6.4/10 against 5.2/10 for N26 Business. The largest gap is in Support: 4/10 for N26 Business and 7/10 for Tiime.
Both are free for 10 users.
Yes, both N26 Business and Tiime have a free plan.
Tiime is the better fit for small business: we rate it 8/10 for them, against 4/10 for N26 Business.
Tiime has Invoicing, which N26 Business lacks.
