🏆 The 10 Best N26 Business Alternatives in 2026

Account freezes without notice, complete absence of financing, or idle cash that earns nothing: this business account worries you.

You're not alone. Heropay has analyzed 10 alternatives to N26 Business:

• N26 Business's weak points are frequent account freezes, absence of business credit, and non-interest-bearing cash reserves.

• N26 Business is not available in the UK since 2020. You can’t be a United Kingdom resident.

• Heropay stands out with instant financing (up to €50,000) and interest-bearing cash reserves up to 5%.

• Other options exist for targeted needs: Revolut Business (international) or Qonto (teams).

• The verdict: N26 Business is a convenient mobile app, Heropay is a growth partner for your financing. Qonto is a good choice for SMEs that can afford a collaborative tool. Revolut Business is a competitive solution for international nomadic freelancers.

Why Look for an Alternative to N26 Business? The Limitations of Their Offering

Pricing That Can Quickly Escalate

N26 Business displays an attractive free plan on paper. But look at the details: cash withdrawals are limited to 3 free per month, then you pay €2 per additional withdrawal.

Foreign currency withdrawals cost 1.7% on the Standard plan. To unlock free withdrawals, you need to upgrade to the Go (€9.90/month) or Metal (€16.90/month) plans with a 12-month commitment.

Cash deposits? Possible via the CASH26 partner, but users describe it as impractical and restrictive. No cheque deposits either.

Features That Lack Flexibility

N26 Business offers no business credit or authorized overdraft. Need to finance stock before a seasonal peak? You'll have to look elsewhere.

No proper team management: impossible to issue cards for your employees with granular authorizations. No multiple sub-accounts to organize your cash flow (except the 10 limited "Spaces" on paid plans).

Accounting integrations are virtually non-existent. You'll have to manually export your statements and re-enter everything into your accounting tool.

A Service That Doesn't Suit All Profiles

N26 Business targets sole traders and freelancers with basic needs. But as soon as you hire, develop your business, or need financing, you hit the tool's limitations.

The real problem? Account freezes for compliance. 24% of 1-star reviews on Trustpilot point to these sudden freezes with ineffective customer support to resolve the situation. Your cash flow becomes inaccessible for days, even weeks.

For a growing business, losing access to your account even for 48 hours can be catastrophic.

To avoid this kind of situation, you need responsive customer support. That's why Hero has 100% UK-based support at your disposal.

Comparative Table of the 10 Best N26 Business Alternatives

We compared several business banks according to 4 criteria: real costs, advanced features, growth potential, and support reliability. Here's our top 10 for 2026.

Detailed Ranking of the 10 Best Alternatives

1. Heropay: The Growth and Cash Management Alternative

Heropay solves exactly what N26 Business lacks: financing and cash optimization.

Where N26 leaves you to manage your financing needs alone, Heropay instantly provides up to €50,000. Pay your suppliers in 3 or 4 installments (from 0.05% per day), or accelerate your marketplace receipts to D+1.

Your cash reserves generate interest up to 5% gross annually. While your cash sits idle at N26 earning nothing, it actively works at Heropay.

UK/EU IBAN, Visa Platinum card, instant transfers, accounting export, and 7/7 support: all essentials are covered.

2. Qonto: The Choice for Daily Simplicity

Qonto excels at multi-user management with granular permissions per employee. Perfect when you transition from solo to team.

Physical and virtual cards deploy easily, with customizable limits. Native accounting integration (Pennylane, Indy, etc.) automates your management.

Pricing: from €9/month for 1 account and 1 card, up to €249/month for large structures. It's a quickly expensive solution for many SMEs.

3. Shine: The Solution for International Operations

Shine focuses on absolute simplicity and administrative support. The app guides new independents step by step: HMRC declarations, invoicing, tax tracking.

From €3.90/month, you have a complete account with card, unlimited transfers, and invoicing tools. Ideal for getting started smoothly.

4. Blank: The 100% Free Option with Physical Card

Blank offers a completely free business account including a physical Mastercard. No hidden fees: SEPA transfers, eurozone payments, real-time notifications.

Features remain basic (no sub-accounts, no financing), but it's perfect for testing a professional neobank without financial commitment.

5. Revolut Business: The International Operations Champion

If N26 Business is good internationally, Revolut Business is unbeatable. Over 30 manageable currencies with real exchange rates, multiple IBANs (GB, EUR, USD, etc.), and multi-currency cards.

The free plan already covers many needs. Paid plans (€25 to €100/month) add accounting integrations and extended limits.

6. Finom: The All-in-One Micro-Business

Finom combines business account, invoicing, and accounting in a single interface. The free plan includes 2 invoices per month and a complete account.

Paid plans (from €5.25/month) unlock unlimited invoicing. Perfect for freelancers who want to centralize all their management without multiplying tools. However, it's not suitable for SMEs.

7. Bunq Business: Committed Environmental Engagement

Bunq plants a tree every €100 spent with your card. Beyond green marketing, the bank offers multiple accounts (up to 25), customizable cards, and an open API for developers.

From €9.99/month. The eco-responsible positioning appeals to engaged entrepreneurs who want to align their values and business account.

8. Anytime: The Modernized Traditional Approach

Anytime targets SMEs with classic needs: payment terminal, link collection, expense management. The offering resembles a traditional bank adapted to digital.

From €8.50/month. Less sexy than pure neobanks, but reassuring for entrepreneurs with physical collections, looking for a proven solution.

9. Sogexia: Custom Solutions for E-commerce

Sogexia builds customized banking solutions for marketplaces and e-commerce businesses. Multiple IBANs, complex flow management, advanced collection tools.

Pricing on quote. Relevant only if you have specific needs that standard neobanks don't cover.

10. Memo Bank: The Bank for Structured SMEs

Memo Bank positions itself as a full bank, not just a fintech. Dedicated advisor, business credit, authorized overdraft, and all classic banking services.

Memo targets established companies that need a range of offers, advanced accounting integrations, and are looking for a solid financial partner. Stricter access conditions (minimum turnover, seniority).

Use Case: An E-commerce Business Owner Hitting N26 Business's Limits

Thomas runs a Shopify store for eco-responsible clothing.

Current revenue: €180,000. 2026 goal: €350,000. He employs 2 part-time staff for logistics and customer service.

Frustrations with N26 Business:

• Impossible to finance his stock before seasonal peaks (he must order 3 months in advance).

• His 2 employees don't have business cards, they advance their expenses.

• When his account was frozen for 5 days for verification, he almost missed a crucial supplier payment.

Needs:

• Flexible stock financing to anticipate orders.

• Team cards with controlled limits.

• Zero risk of freezing during key periods.

• His cash reserves sit idle between orders, might as well earn interest.

Solution:

N26 Business cannot finance his stock or offer additional cards. Heropay offers him:

• Up to €50,000 financing to anticipate supplier orders (repayment in 3 or 4 installments).

• Cash reserve remuneration at 5% during off-peak periods.

• Virtual cards to equip his employees.

• UK-based support available 7/7, to reduce operational freeze risk.

N26 Business vs Heropay: The Verdict

The Ideal Alternative to N26 Business: Why Choose Heropay?

N26 Business offers you a beautiful mobile app and competitive international rates. But as soon as your business takes off, you hit a wall: no financing, no cash valorization, account freeze risk.

Heropay doesn't settle for being "just another option".

It's the growth solution for entrepreneurs who want more than just an account. You finance your supplier purchases without leaving the app, your cash reserves work for you, and you maintain control with solid regulation.

The difference?

N26 Business leaves you to manage your financing needs alone. Heropay integrates them directly into your business account.

It's the third way between basic neobanks and rigid traditional banks.

Open your business account in 5 minutes and finance your growth.

Your Questions About N26 Business Alternatives

Is It Complicated to Change Business Banks?

No. Changing business accounts takes less than 30 minutes with modern neobanks.

You open your new account in a few clicks, then gradually switch your direct debits and recurring transfers. No obligation to immediately close N26: you can keep both accounts in parallel during the transition.

The real difficulty? Notifying your customers and suppliers of the new account details. Create a list, send a group email, and it's done.

What Fees Should You Watch When Choosing an Alternative?

Look beyond the displayed monthly rate. Hidden costs lurk in the details:

• Withdrawal fees after quota

• International payment commissions

• Additional card costs

• SWIFT transfer fees

Calculate your real monthly cost based on your usage: number of withdrawals, volume of foreign transactions, need for multiple cards.

A "free" bank can cost more than a paid subscription depending on your profile.

How to Effectively Compare Features of Different Business Banks?

List your 3 priority needs: financing? International? Team management?

First eliminate banks that fail on these essential criteria. Only then compare secondary details (interface, support, insurance).

Test apps in demo mode or open a free account to evaluate ergonomics. Read recent reviews (less than 6 months old) on Trustpilot to detect recurring problems.

How Is Heropay Different from Other N26 Business Alternatives?

Most neobanks offer you a business account and stop there.

Heropay integrates financing directly into your account: up to €50,000 available instantly for your supplier purchases or cash flow needs.

Your available money generates interest up to 5% while it sits in the account.

You no longer search for credit elsewhere, you no longer lose money on stagnant cash reserves.

It's a business account that actively finances your growth, not just one that watches it pass by.