N26 Business: free business account for freelancers

N26 Business is the business account from the German neobank N26, designed, in its French offer, specifically for auto-entrepreneurs and freelancers under France's micro-business regime. Its main strength? A 100% free account with zero fees on payments abroad and a very intuitive mobile app.

• Manage your account from your phone: an app known for how smooth it is, with real-time notifications and automatic expense categorization.
• Pay abroad with no fees: no commission on foreign currency payments, ideal if you have international clients.
• Get cashback: from 0.1% to 0.5% on all your purchases, depending on your plan.
• Organize your budget: create up to 10 sub-accounts (Spaces) to separate your expenses.
• Free, unlimited SEPA transfers: send and receive money at no cost.
• Mastercard included: free virtual card, physical card at €10 or included depending on the plan.

These are the prices of N26 Business's French offer. They may differ in your country. There are four plans:

• Standard: free, virtual card, 0.1% cashback, zero fees abroad, unlimited transfers.
• Smart: €4.90/month, physical card included, sub-accounts, phone support.
• You: €9.90/month, travel insurance (cancellation, baggage, medical expenses).
• Metal: €16.90/month, steel card, 0.5% cashback, phone insurance, dedicated support 7 days a week.

• Actually free: the Standard plan is complete and usable day to day at no cost.
• Great for international work: zero fees on foreign currency payments, a rare advantage.
• Very fast opening: account opened in 8 minutes, 100% online.
• A benchmark app: simple, intuitive interface, often cited as the best on the market.

• In France, reserved for auto-entrepreneurs only (no SASU, SARL or SAS companies)
• Card with systematic authorization (possible issues at toll booths and parking lots)
• No overdraft, no checks, no cash deposits
• No built-in invoicing tool

N26 Business is an excellent choice if you're looking for a free, simple business account with no fees abroad. The app is great and opening an account is very quick. On the other hand, if you need invoicing tools, take a look at Qonto or Shine instead.