N26 Instant Savings account, 100% online

Earn up to 3%* 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 3%* interest p.a. with Metal, 2% p.a. with You, and 1.7% with Smart and Standard while still being able to dip into it anytime. This offer is waiting for you in the N26 app for customers with personal and business accounts residing in Austria.
Image showing 3% interest rate for savings accounts and a woman dressed in blue holding a cell phone in the background.

To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking. Please note that you’ll only be able to open an N26 Instant Savings account if you meet the eligibility requirements. Check our FAQs for more information. *Interest rates are based on your N26 membership: 1.7% for Standard and Smart, 2% for You, and 3% for Metal, including both personal and business accounts. 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 3%* 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

  • 3% interest p.a. on your Instant Savings

  • Travel, phone, and purchase protection insurance

  • Premium stainless steel Mastercard

N26 You

The all-in-one account for banking 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% interest p.a. on your Instant Savings

  • Free ATM withdrawals worldwide

  • Flight and luggage delay cover

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

  • 1.7% interest p.a. on your Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

N26 Standard

The free account for your everyday banking needs

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1.7% interest p.a. on your Instant Savings

  • Free ATM withdrawals in Austria

  • Free payments worldwide

Get more with N26 Metal

N26 Metal customers earn 3%* interest p.a. on Instant Savings — our highest interest rate. As our most premium banking experience, N26 Metal also includes discounted crypto fees of just 1% for Bitcoin and 2% for other coins***, 15 free monthly trades in stocks and ETFs, an extensive insurance package, priority customer support, and a unique stainless steel debit card.
Hand holding a Metal N26 card.

Interest Calculator

N26 Instant Savings

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

Enter a balance, your plan’s interest rate, and a time period:

New balance

€10,300.00

Gross interest

€300.00

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.

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.

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.

*N26 Instant Savings account interest rates are based on your main N26 Membership, for both personal and business accounts: 1.7% p.a. for Standard and Smart, 2% for You, and 3% p.a. for Metal (before taxes), as of 1.8.2024. Please note that rates per membership are variable and can be changed by N26 over time. Interest is only earned on funds held in your Instant Savings account. Withholding taxes may apply for customers who change their residence to Germany, in which case N26 will withhold taxes on paid interest. **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.

  • 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?
  • As a new customer, can I open only an N26 savings account, without opening an N26 bank account?
  • When and how is my interest paid?
  • How is my interest calculated?
  • Can N26 change my Savings Account interest rate?
  • 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?