What is the N26 Freelancer Account?

The N26 Freelancer Account is designed to meet the needs of our existing customers who require a separate business account in addition to their personal account. This account offers nearly all the features* of the N26 Business account at no additional cost, including a dedicated card, IBAN, and cashback on eligible card payments. Your existing Premium membership will cover both your Personal and Freelancer accounts.

*Spaces will be available at a later date.

To sign up for an N26 Freelancer Account, you must have an active N26 Personal account. If you meet the eligibility criteria, you can sign up directly from the Home tab of your N26 app or from the Finances tab. Here are the steps to follow:

1. Navigate to the Home or the Finances tab of your N26 app.
2. Select Set up to review the Freelancer Account features.
3. Read and accept the terms and conditions, select your card, and your account will be ready for use.

To be eligible for an N26 Freelancer Account:

• You must have an active N26 Personal account (Standard or Premium). Please note that Business account holders are not eligible to open a Freelancer account.
• The ID document used for opening your personal account must still be valid.
• In countries where N26 also provides local IBANs, you can only sign up if your account has a local IBAN. E.g., if you opened your personal account in France, you can only signup if its IBAN starts with FR.

Additional Eligibility Notes

• Customers whose accounts are in dunning, have an active garnishment, or are insolvent are not eligible.
• Customers with a P-Account or a Flex account are not eligible.

If you currently have a Premium personal account (Smart, You, or Metal), your Freelancer Account will also enjoy the same Premium benefits at no extra charge. For example, Metal membership holders receive 0.5% cashback on eligible payments made with the card linked to their Freelancer Account.

Should you need to close your Freelancer Account, follow these steps:

1. Open your N26 app and select your Freelancer Account.
2. Tap the gear icon (Settings) in the top right corner.
3. Select "Empty and Close the Freelancer Account".
4. Transfer any remaining funds to your N26 Personal account or another account.

Your Freelancer Account will be closed shortly thereafter. If you wish to open a new Freelancer Account in the future, you can do so 15 days after receiving the closure confirmation.