Manage your money with N26 Spaces

Go premium, and get 10 additional sub-accounts with individual IBANs. Stay on top of your bills, send and receive money, save easily, and find a better way to budget—all in one place on your smartphone.

Shared Spaces screen.

Sub-accounts for whatever your need

Organizing your money, or simply saving up for that big purchase? As a premium feature, N26 Spaces lets you create up to 10 additional sub-accounts that sit alongside your main account. Get a unique IBAN for each space, and easily send and receive payments directly in your sub-accounts. It’s a fast, flexible way to put money aside whenever you want.

Share money with friends and family

Enjoy a better way to save and manage money with others, thanks to Shared Spaces. As a premium customer, create shared sub-accounts and invite up to 10 participants to join and manage funds together.

Shared Spaces

Budget automatically with Rules

Always forgetting to put money aside for your expenses? Use Rules to set up recurring transfers between your main account and your spaces. Simply set the amount and frequency, then relax—Rules will do the saving for you.

Manage your bills like a pro

Spending hours keeping up with your bills and subscription payments? Let Spaces do the heavy lifting. Simply use your Spaces with IBANs to set money aside for upcoming bills on payday. Then easily set up standing orders for recurring payments with a few taps, or pay your bills via direct debit—right from each Spaces sub-account. You’ll never miss a payment again.

Space icon showing a calculator which is used for bills and utilities.

Spend to save with Round-Ups

To reach your financial goals even faster, get your card purchases rounded-up to the next euro. We’ll stash away the spare change to your chosen space—it’s the easiest way to save.

Get the most out of your money with Spaces

Move money between spaces

Organize your funds your way—in real time. Each space is a separate sub-account, and you can make instant transfers between them with a simple drag-and-drop in your N26 app.

Send and receive payments

Get up to 10 Spaces with individual IBANs. Easily send or receive SEPA transfers, set up standing orders for recurring payments, or pay bills via direct debit—right from each space.

Get a complete overview

Keeping track of multiple saving goals? Each space lets you set a target amount, and shows you how close you are to reaching your goal. It’s easy to stay motivated with N26 Spaces.

Set yourself an allowance

Put money aside into a space to avoid spending it. Only your main account is attached to your card, so leave yourself an allowance and tuck away the rest. Out of sight, out of mind.

N26 Metal - Charcoal Black.
N26 You card, Petrol.
N26 You Business Card, Ocean.

Save and budget with N26 Spaces

New customer? Sign up for an N26 premium account to better manage your bills, save easily, and budget like a pro. And if you already have one, simply log into your N26 app or N26 WebApp to create your first space.


What are N26 Spaces sub-accounts?

Each space created with N26 Spaces is a sub-account that sits parallel to your main N26 account. It’s similar to a savings account—they hold your money, but can’t be used for spending with your N26 Mastercard. As a premium feature, you can create 10 Spaces sub-accounts with individual IBANs, allowing you to directly receive transfers into each space, or make direct debit payments from each space.

N26 Spaces is only available with premium accounts. Discover N26 Smart!

Why are you calling them Spaces?

We called them Spaces to keep their purpose undefined. That’s up for you to decide, whether it’s saving, managing your bills, or organizing your finances. While many sub-accounts are simply for saving, Spaces is a general tool with multiple IBANs that serves your needs, regardless of function.

What happens to my main account?

Absolutely nothing! Your main account will continue to function like it did before. Only your main account is attached to your N26 Mastercard, so all your card purchases will happen there.

How many spaces can I create?

If you have an N26 premium bank account, you can create up to 10 Spaces sub-accounts with IBANs. These sit alongside your main account, and you can create and delete these as often as you want.

If you’re an N26 Standard customer who opened an account before March 18, 2021, you can create up to 2 Spaces sub-accounts.

What if I want to spend from a space?

You can now pay from a space via direct debit. Tap the ‘Spaces’ tab in your N26 app, then select ‘Bills and payments’ to create a space with an IBAN. Then simply share your new IBAN when setting up your direct debit payment for your rent, bills, subscriptions, or other expenses. Each premium customer can have a total of 10 Spaces sub-accounts with IBANs.

What happens if I delete a space?

We’ll move the money immediately back into your main account. If you added an IBAN to your space, the IBAN will also be blocked from future incoming or outgoing transfers, including existing direct debit payments.

How do I see my total bank account balance?

Go to the ‘Spaces’ tab in your N26 app. Your total balance sits right at the top above your spaces.

How can I get Spaces?

You can create up to 10 Spaces with an N26 premium bank account. Open yours now, and tap on the ‘Spaces’ tab in your N26 app to get started.

If you’re an N26 Standard customer who opened an account before March 18, 2021, you can also create up to 2 Spaces sub-accounts.