N26 Instant Savings account

Earn interest on your money

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 rate p.a. with Metal and 2.8% p.a. with other N26 memberships, and access your funds at any time. This offer is available at no extra cost, with personal and business N26 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.

*Deposits on the N26 savings account are remunerated at the gross annual nominal rate of 4% for the N26 Metal account, 2.8% for the N26 Standard, N26 Smart and N26 You accounts, including personal and business accounts. Prices are subject to change at any time by N26. The offer is provided under the German law. No key information or other legally prescribed documents are available for these accounts. For customers in Belgium, more info here.

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 N26 Instant Savings

  • Up to 8 free domestic ATM withdrawals

  • Exclusive mobile phone coverage

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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 N26 Instant Savings

  • Up to 5 free domestic ATM withdrawals

  • Flight and luggage delay cover

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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 N26 Instant Savings

  • Up to 5 free domestic ATM withdrawals

  • Flight and luggage delay cover

Discover N26 Smart

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 2.8% interest p.a. on your N26 Instant Savings

  • Up to 3 free domestic ATM withdrawals

  • Free payments worldwide

Discover N26 Standard

What is N26 Instant Savings?

N26 Instant Savings is an easy-access savings account available to all eligible N26 customers in Belgium, whether you have a Standard or a Premium account.Earn interest on all your 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, anytime, in seconds.

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.

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 best savings option, consider the conditions of promotional rates — including how long they're valid for. The calculations above show gross amounts before withholding taxes and assume 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 in the previous months.

Start earning interest

Opening your N26 Instant Savings account is easy. Simply head to the ‘Finances’ tab in the N26 app on your phone 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.

Automate? Great.

Growing your money is even easier when you automate your savings. With N26 Rules and Goals (available for all customers) or N26 Income Sorter and Round-ups (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.

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

FAQ

  • Who's eligible for N26 Instant Savings?
  • Is an N26 Instant Savings account only available to new customers?
  • Are these interest rates only offered for new 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 into my N26 Instant Savings?
  • What happens if I make a withdrawal before the end of the month?
  • Do I have to top up 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’s 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?
  • Can N26 change the interest rate?