N26

N26 offers N26 Business as a mobile-first account and card option for eligible freelancers and small operators in supported European markets. It suits people who want simple business banking, not a global corporate-card platform.

What it offers:

• Business current account: everyday banking from a phone.
• Debit card: spend with optional cashback on some plans.
• Spending insights: automatic categorization of transactions.

The appeal is simplicity. Setup is quick, and the app stays out of the way for solo businesses.

N26 operates as a licensed bank in Europe, but country eligibility and referral terms should be checked before relying on it.