N26 Instant Savings account, 100% online
Earn up to 3%* interest on your savings
What is N26 Instant Savings?
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
N26 Metal
The premium account with a metal card
€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
€9.90/month
2% interest p.a. on your Instant Savings
Free ATM withdrawals worldwide
Flight and luggage delay cover
N26 Standard
The free account for your everyday banking needs
€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
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
Start earning interest
Your money is protected
Automate? Great!
- 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?