🏦 Which Business Account to Choose in 2026: N26 Business or Blank?

According to Heropay, here's everything you need to know about N26 Business and Blank:

N26 Business offers a free plan with 0.1% cashback and zero international fees, but no financing and no physical branches.

Blank integrates invoicing, social security, and professional insurance from €6 excl. VAT/month, but imposes slow transfers (1-2 days) and charges 1.9% on international transactions.

Both target solopreneurs without team management or employee cards.

Neither finances your growth: no credit, no overdraft, no cash advance.

N26 excels in mobility (free withdrawals in foreign currencies, smooth app), Blank in tools (integrated invoicing, cheque deposits).

Your cash sits idle: neither one pays interest on your deposits.

Heropay combines a business account at €0 or €39 excl. VAT, financing up to €50,000, and treasury remuneration up to 5% to truly make your money work!

Quick Overview of N26 Business and Blank

N26 Business in Brief

German mobile bank launched in 2013, N26 Business targets freelancers with 100% mobile management. The solution offers a European IBAN and focuses on international transactions without fees. Plans range from €0 to €16.90 per month.

Blank in Brief

French neobank created in 2020, Blank is a Crédit Agricole subsidiary. It targets micro-entrepreneurs and sole proprietorships with an all-in-one positioning: business account, integrated invoicing, and professional insurance. Prices range from €6 to €39 excl. VAT per month.

N26 Business and Blank Fees and Pricing

Pricing N26 Business

N26 Business Standard (€0/month): free virtual card, 0.1% cashback, 3 free EUR withdrawals, international payments without fees. Physical card costs €10 delivery.

N26 Business Smart (€4.90/month): colored physical card included, 5 free withdrawals, 10 sub-accounts, phone support. 12-month commitment.

N26 Business Go (€9.90/month): unlimited free withdrawals in foreign currencies, comprehensive travel insurance, phone support. 12-month commitment.

N26 Business Metal (€16.90/month): metal card, 0.5% cashback, 8 free EUR withdrawals, dedicated support line, travel and mobility insurance. 12-month commitment.

Pricing Blank

Simple (€6 excl. VAT/month): VISA Business card, 30 SEPA transfers, invoicing and quotes, social security, medical insurance abroad. €20,000/month limit.

Confort (€17 excl. VAT/month): 60 transfers, 3 free cheque deposits, income maintenance guarantee, phone support 5 days/week. €40,000/month limit.

Complète (€39 excl. VAT/month): unlimited transfers, 20 cheque deposits, legal assistance, priority support.

Blank offers transparent pricing without commitment. N26 requires 12-month commitment on premium plans. Both banks remain financially accessible.

Features and Included Services

Mobile Application

N26 excels in mobile experience with instant notifications and smooth management. Blank favors simplicity without frills.

Bank Cards and Transfers

N26 dominates internationally with zero fees on all payments. Blank charges 1.9% as soon as you leave the eurozone. The absence of instant transfers at Blank slows down your operations.

Accounting and Invoicing Management

Blank integrates a genuine management tool with complete invoicing and social security. N26 forces you to subscribe to external services for invoicing.

Financing and Treasury

Neither bank finances your growth. Your cash sits idle without generating a single euro. Entrepreneurs seeking cash must look elsewhere.

Payment Collection and Payments

Blank allows cheque deposits while N26 offers a CASH26 service considered impractical by users. Neither offers modern payment collection.

Professional Services

Both banks allow share capital deposit. N26 offers cashback on your spending. Blank offers more comprehensive insurance for professionals.

Advantages and Disadvantages of Each Bank

Which Profile is N26 Business Suited For?

N26 Business may suit freelancers and consultants working internationally. Developers, graphic designers, or translators invoicing in foreign currencies benefit from payments without fees.

The Go and Metal plans suit mobile professionals who travel regularly. Travel insurance and free foreign currency withdrawals limit costs.

The free plan attracts beginner self-employed workers seeking to minimize fixed costs. The 0.1% cashback generates small passive income on spending.

Which Profile is Blank Suited For?

Blank may suit micro-entrepreneurs managing invoicing. The integrated tool avoids multiplying subscriptions.

Artisans and service providers appreciate cheque deposits and professional insurance. The income maintenance guarantee (Confort plan) protects in case of hospitalization.

Liberal professions value the link with Crédit Agricole. The backing by a traditional bank provides reassurance.

Which Profile is N26 Business NOT Suited For?

N26 Business does not suit businesses handling cash. Limited withdrawals (3 free in Standard) and the impossibility of depositing cash block retail businesses.

Growing companies seeking financing must look elsewhere. The absence of credit and overdraft prevents investing.

Profiles attached to human contact suffer from the all-digital approach. No branch to resolve complex problems.

Which Profile is Blank NOT Suited For?

Blank does not suit professionals handling cash. The impossibility of depositing cash excludes physical activities.

Businesses requiring banking reactivity suffer from the absence of instant transfers. Delays of 1 to 2 days penalize cash flow.

International freelancers pay 1.9% fees on each foreign payment. The cost accumulates quickly.

Use Case: An E-commerce Seller Seeking Financing and Speed

Sophie sells sports accessories on Amazon and her Shopify store. She generates €80,000 annual turnover. She aims for €200,000 within 18 months.

Her needs:

• Finance her inventory before seasonal peaks

• Collect marketplace sales quickly

• Remunerate her idle cash

• Manage supplier payments in Asia

N26 Business facilitates international payments without fees. But Sophie cannot finance her supplier orders or accelerate her marketplace payments. The 0.1% cashback only generates €80 per year.

Blank integrates invoicing but offers no financing. Slow transfers (1 to 2 days) complicate cash flow management. 1.9% international fees increase her costs.

Heropay finances up to €50,000 to order inventory. Sophie receives her marketplace payments at D+1 instead of D+14. Her cash is remunerated.

What You Need to Know Before Opening a Business Account with N26 Business and Blank

N26 Business sometimes blocks accounts for compliance according to customer reviews. Unblocking delays can exceed several weeks. Support remains difficult to reach on the free plan.

Blank is not a bank but a payment institution. No overdraft or credit is possible. Transfers systematically take 1 to 2 business days.

Both solutions suit daily management but not growth financing. Ambitious entrepreneurs must plan complementary solutions.

N26 Business vs Blank: Verdict

N26 Business surpasses Blank internationally thanks to payments without fees and free withdrawals in foreign currencies. Mobile freelancers and international consultants find their fit.

Blank leads N26 on management tools with integrated invoicing, social security, and cheque deposits. Sedentary micro-entrepreneurs save time.

Neither finances growth. Developing companies lack leverage to invest. Cash sits idle without remuneration.

Top 10 Alternatives to N26 Business and Blank

Heropay combines business account, financing up to €50,000, and 5% remunerated treasury. Instant transfers and marketplace advance accelerate cash.

Qonto offers multi-user management with unlimited physical and virtual cards. Accounting integrations facilitate management.

Shine targets freelancers with invoicing, insurance, and administrative support. Pricing starts at €3.90.

Revolut Business focuses on multi-currency with accounts in 28 currencies. International fees remain competitive.

Finom combines multi-currency account and cashback up to 3%. Unlimited virtual cards secure online purchases.

OnlyOne Business offers a modular account with à la carte services. Billing adapts to actual usage.

Boursorama Pro relies on a traditional bank with advisors. Classic banking services provide reassurance.

Vivid Business offers cashback and unlimited sub-accounts. The mobile app rivals N26.

Indy merges business account and automated accounting. Freelancers centralize their management.

Propulse by CA is backed by Crédit Agricole with extended banking services. Local support complements the digital offer.

The Alternative to N26 Business and Blank: Why Choose Heropay?

Heropay finances your growth where N26 and Blank leave you alone. Supplier financing up to €50,000 allows ordering without waiting for client payments. Marketplace advance unlocks your funds at D+1.

Your treasury works for you. Up to 5% gross annual on €100,000 for 60 days, then 1.85% beyond. Interest is automatically paid each month.

Instant transfers accelerate your business. Pay your suppliers in real-time. Collect via payment links. Manage multiple European and German IBANs.

The Hero X offer starts at €0. Hero Go offers €1,000 financing and 5% remuneration. Hero Pro at €39 excl. VAT unlocks €50,000 and all services.

Open your Heropay account in 5 minutes and finance your growth today.

FAQ on N26 Business and Blank

Which Bank is Cheaper Between N26 Business and Blank?

N26 Business offers a free plan versus €6 minimum at Blank. But Blank integrates tools (invoicing, social security) that require external subscriptions with N26.

Which Bank to Choose for International Operations?

N26 Business dominates with zero fees on currency payments. Blank charges 1.9% on each foreign transaction. Free foreign currency withdrawals (Go and Metal plans) reinforce N26's advantage.

Which Bank Offers the Best Management Tools?

Blank integrates invoicing, quotes, and social security. N26 is limited to statements and categorization. Micro-entrepreneurs save a subscription with Blank.

Can You Get Multiple Cards with N26 Business or Blank?

Both banks target solopreneurs without team management. No additional cards for employees. Structured companies must look elsewhere.

Are Instant Transfers Available?

N26 Business offers instant transfers. Blank systematically imposes 1 to 2 days delay. This delay penalizes commercial reactivity.

Do These Banks Offer Financing?

Neither N26 nor Blank offers credit or overdraft. Entrepreneurs seeking to finance their growth must combine with external solutions or choose Heropay.

Which Mobile Application is Better?

N26 is praised for its smoothness with real-time notifications and intuitive management. Blank favors simplicity. Both applications function correctly for daily use.

Do These Banks Protect Deposits?

N26 guarantees up to €100,000 via the German fund. Blank separates client funds in fiduciary accounts but is not a bank. Both comply with regulations.