N26 Savings

Your digital savings account

With N26 Savings, you can open an online savings account directly in the N26 app and earn up to 1.15% interest.

Up to 1.15% interest

Your money is deposited for you at one of our partner banks, allowing you to benefit from interest rates of up to 1.15% p.a. We’ll even scout the best rates for you so you don’t have to.

Deposit protection of up to €100,000

Your savings are covered by law. The national deposit guarantee scheme ensures protection of up to €100,000 per person and individual savings account.

Minimum deposit of €2,000

Decide on an amount between €2,000 and €100,000, and look forward to earning interest that go towards your financial goals.

A minimum of 12 months

Set it and forget it. Depending on the partner bank you select, choose between deposit lengths of 12 to 60 months, and enjoy saving on your own terms.

Open a savings account online in minutes

Open your savings account directly from your phone, without any paperwork. With a confirmation in minutes, N26 Savings is the fastest way to start earning interest on your money. We’ll get you settled on the highest interest rates available on the market.

The best interest rates, curated for you

We’ll offer you a plan with the highest interest rate by default. Compare plans between several European partner banks and get the best deal possible.

A marketplace with more choices

We only collaborate with partner banks that offer the best interest rates and offer a paperless service.

Deposit protection under EU law

Deposits of up to €100,000 are protected by EU law in all EU member states. Regardless of your chosen bank, your money is in safe hands.

How do I open an N26 Savings account?

To set up a Savings account, go to the "Explore" tab in the app. Among the available financial products, you’ll find the N26 Savings option. Depending on what you’re looking for, we’ll then show you a selection of the best options. Take your time to compare and go over the offers. When you’re ready, set up your savings account directly in the app and start earning interest.

Don’t have an N26 bank account yet?

Open your N26 account online in minutes, right from your smartphone and without paperwork. Compare the bank accounts we’re offering to find out which one suits you best. Top up your account before choosing a savings plan that suits you. And that’s it!

Frequently asked questions

How does N26 Savings work?

N26 Savings is a time deposit account, which means that you park a certain amount in a savings account for a duration period of your choice to gain interest over this time frame. Before this period has expired, you cannot take the money out. The total amount, including interest, will be transferred to you at the end of the term. You can set the running time between 12 and 60 months, as well as freely choose the amount to deposit (with a minimum of €2,000 and a maximum of €100,000.)

This feature is currently only available for customers with a legal address in Austria or Germany.

Can I access the money before the term ends?

If you open a fixed term savings plan, you will not be able to withdraw the money before the term ends. That’s part of the reason why banks are willing to pay higher interest rates for these savings plans. You will get all your money and accumulated interest in one payout at the end of the term.

How much interest will I earn?

Your savings interest depends on which savings plan, or partner bank, you choose. Your money will be kept for you at one of our partner banks, where you can receive interest rates of up to 1.15% p.a.

Where can I see the status of my savings plan?

In the “Explore” section of the N26 App, you can view your Savings status in just a few taps. Here you’ll be able to see the starting amount of your savings plan, how much interest you will receive, and when the total amount (deposit + interest) will be paid out.

Is the money in my savings account safe?

Your deposits are protected up to € 100,000 under European law in all EU member states. No matter which partner bank you choose, EU Directive 2014/09 will protect your investment.