N26 Instant Savings account, 100% online

Earn interest on your savings

Looking to make your money work for you? Here’s another reason for you — and your money‌ — to love N26.  Grow your savings with 4%* interest p.a. with Metal and 2.8%* p.a. with other N26 memberships while still being able to dip into it anytime. Available in Austria, for customers with personal and business accounts.
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Image showing 4% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

*The interest rates are based on your N26 membership: 2.8% for Standard, Smart, and You, and 4% for Metal, including personal and business accounts. The interest rates are variable and subject to change in the future.

What is N26 Instant Savings?

N26 Instant Savings is an easy-access savings account available at no extra cost in the N26 app.Now, customers with personal and business accounts in Austria can earn interest on their savings with no deposit limits** and instantly withdraw anytime. Win-win.
Image showing the balance in the main account and the savings account with a woman dressed in blue holding a cell phone in the background.

Saving just got more rewarding

Interest paid monthly

Earn up to 4%* interest p.a. — calculated daily and paid out monthly to grow your balance automatically.

100% flexibility

No need to lock your money away. Deposit and withdraw any amount in seconds, anytime.

No extra fees

Open your N26 Instant Savings account with just a few taps in the N26 app — at no extra cost.

No deposit limits**

Add as much money as you like and earn interest on your total savings balance. The sky’s the limit**.

N26 accounts — Your money deserves an upgrade

MORE INTEREST

N26 Metal

The premium account with a metal card

N26 Metal - Charcoal Black.
Quartz Rose - N26 Metal Card.
N26 Metal - Slate Grey.

€16.90/month

  • 4% interest p.a. on your Instant Savings

  • Travel, phone, and purchase protection insurance

  • Premium stainless steel Mastercard

Open N26 Metal account

N26 You

The debit card for everyday and travel

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Rhubarb.
N26 You card, Wheat.
N26 You card, Petrol.

€9.90/month

  • 2.8% interest p.a. on your Instant Savings

  • Free ATM withdrawals worldwide

  • Flight and luggage delay cover

Open N26 You account

N26 Smart

The bank account that gives you more control

N26 You card, Teal.
N26 You card, Ash.
N26 You card, Rhubarb.
N26 You card, Wheat.
N26 You card, Petrol.

€4.90/month

  • 2.8% interest p.a. on your Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

Open N26 Smart account

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 2.8% interest p.a. on your Instant Savings

  • Free ATM withdrawals in Austria

  • Free payments worldwide

Open free bank account

Interest Calculator

N26 Instant Savings

Use our interest calculator to see how your money can grow over time with N26.

Enter your starting balance and a time period:

New balance

€10,400.00

Gross interest

€400.00

To choose the most suitable savings option for you, consider the conditions of promotional rates — including how long they're valid for. The calculation above shows gross amounts before withholding taxes and assumes that the daily balance in the savings account remains the same during the whole period. If you keep the paid interest in your N26 Instant Savings account, the total gross interest earned during the whole period will be higher. This is because you'll be earning interest on the interest you've already earned.

Start earning interest

Opening your N26 Instant Savings account is easy. Not a customer yet? Sign up to N26 right from your phone. Once you have your N26 personal or business bank account set up, simply head to the ‘Finances’ tab in the N26 mobile app and tap on ‘Instant Savings’ to create your savings account.
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Your money is protected

N26 is a fully-licensed German bank. That means the money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. 
Image showing the balance in the main account and the savings account with security icon.

**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. This offer is provided under German law.

Automate? Great!

Growing your money is easier when you automate your savings. With N26 Rules and Goals (available for all customers) or N26 Income Sorter and Round-ups (only available for N26 Smart, You and Metal customers) you can reach your goals faster by automatically moving money between your main account and your savings account. It’s a great ‘hands-off’ way to kickstart your savings.
Image showing the balance in the savings account and the functionalities roundups, income sorters, goals for spaces.

Banking and investing — all in one app

N26 combines everyday banking and investing in a way that’s seamless and intuitive. Start investing in your financial future today by building your very own portfolio of interest-earning savings, ETFs, or Crypto. Ready to get started? You’ll find ETF and Crypto in the ‘Finances’ tab in your N26 app.
Hand holding a mobile showing N26 spaces and saving accounts.

  • Why can’t I find Instant Savings in my N26 app?
  • Who's eligible for N26 Instant Savings?
  • Can only new customers open an N26 Instant Savings account?
  • Are these interest rates only offered to new N26 customers?
  • When and how is my interest paid?
  • How is my interest calculated?
  • Where can I find N26 Instant Savings in the app?
  • Is there a limit on the amount of money I can deposit to my N26 Instant Savings?
  • What happens if I make a withdrawal before the end of the month?
  • Do I have to top up my savings account with a certain amount of money every month to keep earning interest?
  • Do I need to pay taxes on my earned interest?
  • Can N26 Business customers open an Instant Savings account?
  • What is an easy-access savings account?
  • How many savings accounts can I have?
  • What is the difference between my savings account and my main account?
  • What is the difference between a flexible savings account and a long-term or fixed-term savings account?
  • Can I transfer money directly from my Instant Savings account?