N26 Business
Business Banking Germany
German neobank account for freelancers across 24 EU markets. Alternative to Mercury.
Details
N26 Business is a tier of the N26 personal current account designed for freelancers and the self-employed, available across the bank’s 24 European markets. It bundles a German IBAN, debit card with cashback on business spend, sub-accounts, and basic accounting integrations.
Customers evaluate it on the freelancer-specific tax and accounting workflow, app polish, and the trade-off versus dedicated SMB providers like Qonto for incorporated businesses.
About N26
N26 is a German neobank headquartered in Berlin, licensed by BaFin as N26 Bank SE, operating across 24 European markets. Founded by Valentin Stalf and Maximilian Tayenthal in 2013.
The product covers personal current accounts and an N26 Business tier for freelancers and self-employed, with debit cards, sub-accounts (“Spaces”), and a recently added investment offering. In May 2026 N26 launched the Flexible Cash Fund — a Fidelity-managed money-market fund accessible across 17 EU markets, signalling a move into investment products. Cap table is broadly distributed across Tencent, Insight, Coatue, Third Point, Allianz X, and GIC; founders hold a minority stake after stepping back from operational roles.
