Fortnox vs N26 Business: Complete Comparison (2026)
An in-depth comparison of Fortnox and N26 Business to help you choose the right tool for your business.
Last updated: November 2026
Fortnox
6.5/10
Swedish cloud accounting platform covering bookkeeping, invoicing, payroll, supplier invoice approval and reporting for small and mid-sized Swedish businesses and accounting firms.
N26 Business
5.2/10
A mobile-first euro business bank account from Berlin-based N26 for freelancers and sole traders in supported EU countries, with debit cards, cashback and budgeting Spaces.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.5/10 | 5.2/10 |
| Scalability | 6/10 | 2/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 7/10 | 5/10 |
| Integration | 8/10 | 3/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 4/10 |
| Cost | 6/10 | 8/10 |
| Customization | 5/10 | 3/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | SEK 238/mo Mini | €5/mo Business Smart |
| Estimated cost for 10 users | SEK 238/mo Mini | Free Business Standard |
| Features | ||
| Invoicing | ||
| Corporate Cards | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
Fortnox vs N26 Business cost by team size
| Team size | Fortnox | N26 Business |
|---|---|---|
| 1 user | SEK 238/moMini | FreeBusiness Standard |
| 5 users | SEK 238/moMini | FreeBusiness Standard |
| 10 users | SEK 238/moMini | FreeBusiness Standard |
| 25 users | SEK 238/moMini | FreeBusiness Standard |
| 50 users | SEK 238/moMini | FreeBusiness Standard |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Fortnox
- Higher Integration score (8/10 vs 3/10)
- Higher Scalability score (6/10 vs 2/10)
- Better fit for small business (9/10 vs 4/10)
- Better fit for enterprise (3/10 vs 1/10)
- Includes Invoicing, which N26 Business lacks
Why choose N26 Business
- Has a free plan (Fortnox does not)
- Higher Cost score (8/10 vs 6/10)
- Higher Ease of Use score (8/10 vs 7/10)
Pros & Cons
Fortnox
Pros
- More than 500 integrations, and one 189 kr licence covers all of them.
- A single platform covers bookkeeping, invoicing, payroll, supplier invoice approval, payments and a company card, which suits Swedish SMEs.
- Accounting firms get a dedicated bureau package for working in their clients' books.
- New companies get six months free, and every new subscription has a 30-day open purchase period.
- Trustpilot and Shopify app reviewers frequently praise customer service and sync reliability.
Cons
- Usage fees for invoices, paid employees and interpretations, plus an Access fee that scales with activity, make total cost hard to predict.
- Three-month agreements cost 15 percent more than the 12-month list prices.
- The product is Swedish-focused, and users have asked for an English interface.
- Some users call the reporting tools dated and say neobank integrations such as Revolut are missing.
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.
Not sold on either?
Frequently Asked Questions
Fortnox scores higher on our Finance Software criteria: 6.5/10 against 5.2/10 for N26 Business. The largest gap is in Integration: 8/10 for Fortnox and 3/10 for N26 Business.
N26 Business has a free plan; Fortnox does not list one.
Fortnox is the better fit for small business: we rate it 9/10 for them, against 4/10 for N26 Business.
Fortnox has Invoicing, which N26 Business lacks.
