N26 Invest—investing put on autopilot

N26 Invest puts your money to work, without the hassle. Choose from diversified and managed portfolios and track every cent directly from your phone.

Choose your mix of bonds and stocks

Find your perfect investment mix. We offer three plans—Invest 40, Invest 60, and Invest 80. Taking the work out of diversifying your money.

Pay in and out. At any time.

You're free to choose the sum. Pay into or out of your portfolio when you need to and stay financially flexible.

Open your investment plan in a few taps

N26 Invest reduces mountains of paperwork into just a few taps. With your N26 account, you can easily open and manage your Invest plan within the app.*

Investing on autopilot with N26

You choose the portfolio and how much to invest.* N26 Invest powers your investments automatically, giving you more time to live your life.

Put your money to work

When you make your first purchase, your funds are invested through index funds in global investment markets to gain returns for you. The plan you select is already a smart, diversified portfolio of stocks and bonds.*

No N26 bank account yet?

Open an N26 bank account on your phone or computer in an easy, paperless signup process and start investing right away.

Frequently Asked Questions

Is N26 Invest a paperless product?

Yes. Like all N26 products, N26 Invest is completely paperless because it’s built directly into the existing app. We’ll provide you with digital copies of all the necessary documents so you’ll never need to fill out paperwork or visit a broker's office to start investing.

What am I actually investing in with N26 Invest?

When using N26 Invest, you select one of three portfolios, each consisting of five funds. These portfolios are pre-selected and managed by our partner vaamo. The funds which are the underlying assets behind the portfolios are index funds (passively managed funds) of Dimensional Fund Advisors. The fund units are stored and traded in your name at a securities account under your name at FFB Bank. Learn more about our partners.

How much does N26 Invest cost?

There is a yearly 0,99% fee of your invested amount that will be directly charged from the N26 Invest section of the app. Here you can see your invested amount and any investment returns. For invested amounts less than €2.300, a minimum monthly fee of €1,90 applies instead of the 0,99% service fee. Learn more about the service fee.

What does the service fee cover?

The service fee covers all the expenses for the day-to-day management of your account, and the buying and selling of funds (trading fees, bid-ask spreads, rebalancing). The service fee does not include the operating costs of the index funds, which are charged separately by the investment funds directly from your investment. N26 does not receive any commissions from the investment funds. The service fee is the only revenue N26 earns from this product.

Legal notice

*Eligibility to use N26 Invest is subject to requirements for tax residence, citizenship and identity verification.

*This is an investment product with the risk of capital loss, including initial principal.

*N26 Bank GmbH is merely acting as an investment intermediary. Neither N26 GmbH nor N26 Bank GmbH execute an assessment of suitability and appropriateness with regard to a user's investment decision.

Legal Documents