easybill vs N26 Business: Complete Comparison (2026)

Why choose easybill

• Higher Scalability score (7/10 vs 2/10)
• Higher Integration score (8/10 vs 3/10)
• Better fit for small business (7/10 vs 4/10)
• Includes Invoicing, which N26 Business lacks
• Includes Multi-currency, which N26 Business lacks

Why choose N26 Business

• Lower estimated cost for 10 users: Free vs €12/mo
• Higher Ease of Use score (8/10 vs 6/10)
• Higher Analytics score (4/10 vs 3/10)
• Better fit for freelancers (8/10 vs 6/10)
• Includes Corporate Cards, which easybill lacks

easybill

Pros

• Imports and invoices marketplace orders from Amazon, eBay, OTTO and shop systems automatically.
• Creates XRechnung and ZUGFeRD e-invoices on every plan, including the free one.
• A permanent free plan includes DATEV export and tax-adviser access.
• Testers at experte.de rated support well, at 1.7 on the German grade scale, with fast responses.

Cons

• Not an accounting package: no ledger, profit and loss, or VAT return filings.
• Reviewers call the interface dated and say there is no mobile app.
• Recurring invoices, shop imports and dunning are locked to the higher tiers.
• Costs rise as invoice volume grows, and the Starter plan is capped at 20 contacts.

N26 Business

Pros

• The Standard plan has no monthly fee and includes a virtual card plus 0.1% cashback.
• Card payments in foreign currencies carry no surcharge on any plan.
• Spaces sub-accounts and budgeting rules help freelancers set aside money for tax.
• Metal pays 0.5% cashback and includes purchase and phone insurance.

Cons

• There is no invoicing, no native DATEV link, and no HBCI or EBICS support.
• The account holds euros only and has no foreign-currency transfers in the app.
• Companies such as GmbH or UG cannot open an account, and the company name cannot appear on the account or card.
• Basic-plan customers get no phone support, and Trustpilot users report account freezes and rejected applications.