N26 Business

N26 Business is the business version of the N26 mobile bank account. It is built for self-employed people and freelancers in the eurozone who trade under their own name. Everything runs through the smartphone app: SEPA and instant transfers, standing orders, a debit Mastercard that works with Apple Pay and Google Pay, real-time spending categories, and Spaces sub-accounts for setting money aside, for example for tax. There are four plans. Standard is free, though a physical card costs 10 euros. Smart costs 4.90 euros a month, Go 9.90 and Metal 16.90. The paid plans add up to 10 Spaces, budgeting automations, more free ATM withdrawals, travel insurance on Go and Metal, and 0.5 percent cashback on Metal; the other plans pay 0.1 percent. One review says the paid plans require a 12-month commitment. The main limitation is that this is a bank account, not accounting software. It has no invoicing, no native DATEV link, cannot collect direct debits from customers and holds euros only. The account cannot be opened in a company name, and GmbH, UG and other incorporated entities are excluded. N26 has an early-access company account with a waitlist for small incorporated firms. Bookkeeping relies on CSV and PDF exports or on third-party tools that connect through PSD2. You also cannot hold an N26 personal account and a business account at the same time.