Buy stocks and ETFs with N26

Invest in yourself

Want to live in the moment while planning for the future? With N26, buy stocks and ETFs right from your phone.

  • Simple, intuitive, and easy to use
  • Just €1 to get started
  • Free trades for N26 You and Metal*

Woman in a gym holding a mobile that is showing the N26 Stocks and ETF feature. In the foreground there is a popup showing the Stocks and ETFs balance.
Hand holding a mobile with the N26 app open and showing the account balance and Stocks and ETFs balance.

All in one app

N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place.

Just €1 to get started

Invest in your future, regardless of your budget. Thanks to fractional shares which allow you to buy fractions of stocks and ETFs for as little as €1, you can build up your portfolio at your own pace.

Illustration showing the fluctuation of an Apple sctock over time.
Mobile and N26app showing the variation of Stocks & ETFs and Crypto investments.

What are stocks and ETFs?

Stocks represent ownership in a company. When you buy a stock, you're buying a piece of that company. You can earn some of the company's profits through dividends, or when the price of the stock goes up. ETFs, or ‘Exchange Traded Funds’, are a type of index fund made up of various assets — such as stocks or bonds. 

Simple rates and free trades

Say goodbye to hidden fees for good with:

  • A flat rate of just €0.90 per trade and a complete overview of your portfolio, transaction fees, gains, and losses.
  • 15 free trades every month with N26 Metal — and 5 with N26 You.

Person holding a mobile showing N26 equities sections. In the foreground, there is popup displaying the Stocks and EFFs balance.
Image of a girl in a gym holding her mobile and in the foreground the menu of the N26 app, showing the home, finances, explore, and card tabs.

Ready? Start investing in 3 steps

  1. Head to the ‘Finances’ tab of your N26 app. If you’re an eligible customer, you’ll find Stocks and ETFs there.
  2. Choose the stock or ETF and the amount you’d like to buy.
  3. After confirmation, the cash equivalent of the trade and the transaction fee are deducted from your bank balance.

N26 accounts — Your money deserves an upgrade

15 free trades

N26 Metal

N26 Metal - Charcoal Black.
  • 15 free monthly trades for Stocks and ETFs
  • Up to 8 free domestic ATM withdrawals
  • 4% interest p.a. on your Instant Savings

N26 You

N26 You card, Petrol.
  • 5 free monthly trades for Stocks and ETFs
  • Up to 5 free domestic ATM withdrawals
  • 2.26% interest p.a. on your Instant Savings

N26 Smart

N26 You card, Rhubarb.
  • Customer support hotline
  • Up to 10 Spaces sub-accounts
  • 2.26% interest p.a. on your Instant Savings

N26 Standard

The N26 virtual card.
Virtual Card
  • Free payments worldwide
  • Up to 3 free domestic ATM withdrawals
  • 1.26% interest p.a. on your Instant Savings

Pick and choose from 300+ stocks and ETFs

  • Popular ETFs

    From some of the largest ETF providers.

  • Stock market ETFs

    Invest directly in a specific stock market of your choice, like S&P 500 or NASDAQ-100.

  • Emerging markets ETFs

    Choose ETFs from specific regions or countries to invest in.

  • Sector ETFs

    Invest in ETFs from specific sectors — such as AI, clean energy, or robotics.

  • Allianz logo.


    Offering solutions in insurance and asset management worldwide.

  • Tesla logo.


    The American multinational automotive and clean energy company.

  • Apple logo.


    One of the world’s largest technology companies by revenue.

  • Netflix logo.


    Part of the leading entertainment service providers worldwide.

Mobile with the N26 app, next to a transparent card and a Money badge.

N26 is simply secure

N26 is a fully-licensed German bank, so your deposits are protected up to €100,000 by the German Deposit Protection Scheme. However, because stocks and ETFs include a wide range of securities that fluctuate with the market, we can't guarantee returns or prevent losses.

Learn more about security at N26

These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as stocks and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and ETFs can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time.
The values depicted are fictional and for illustrative purposes.

*N26 You and Metal customers get 5 and 15 free monthly trades respectively.

Which ETFs can I buy at N26?

N26 offers over 100 ETFs in a variety of categories, including those tracking MSCI World, MSCI Emerging Markets or the S&P 500. We’ll continue to offer more ETFs as time goes on.

Which stocks can I buy at N26?

N26 offers over 200 stocks in a variety of categories. We’ll continue to offer more stocks as time goes on.

Is it safe to buy stocks and ETFs with N26?

Your purchases, sales, and portfolio with N26 are protected and secured. However, because stocks and ETFs include a wide range of securities that fluctuate with the market, we cannot guarantee returns or prevent losses.

Is my investment secure?

Stocks and ETFs are a basket of securities, and are traded on the stock market just like individual stocks. This means that prices fluctuate all the time, and N26 has no influence on the wins or losses in your portfolio. Diversification can reduce risks by spreading out investments across different financial assets rather than concentrating it all in one asset. Your deposits at N26 are protected up to €100,000 by the German Deposit Protection Scheme.

How do I choose the right stock or ETF?

Every investment strategy is different, so there’s no governing principle on how to choose the right stock or ETF. In the N26 app, you’ll find detailed information on each stock and ETF we have on offer. Plus, our blog features helpful articles on investing in stocks and ETFs.

How are ETF prices determined?

What you pay for an ETF is known as the “market price” — which is determined based on how many people want to buy or sell that ETF at a given time. The market price should be closely aligned with an ETF’s net asset value (NAV). This figure is calculated daily by adding up all the ETF’s assets and cash holdings, subtracting any liabilities, and then dividing by the number of outstanding shares. This may sound confusing, but the point of NAV is to serve as a reference point for people interested in purchasing shares of the ETF, ensuring that they’re paying a fair price.

To get more granular, investors may also reference the ETF’s intraday net asset value iNAV, which is measured throughout the day to keep up with price fluctuations. This figure is a more accurate measure to compare with the market value of the ETF you’re looking to buy, but it may not directly reflect the price you actually pay, as that figure may rise or fall depending on how high or low demand is.

How are stock prices determined?

A share price is the price of a single share of a number of saleable equity shares of a company. In simple terms, the stock price is the highest amount someone's willing to pay for the stock, or the lowest amount that it can be bought for.

How much does it cost to buy, hold, and sell stocks or ETFs at N26?

For every trade — meaning every purchase or sale — of a stock or ETF with N26, you’ll pay a fee of €0.90, as well as the specific ETF management fee, if applicable. N26 Metal customers get 15 free trades every month. N26 You customers get 5 free monthly trades.

How much tax do I need to pay on my stocks and ETFs in Germany?

If you’re a German resident, you’ll pay tax on the income you earn when investing in stocks and ETFs. This includes a flat tax rate of 25% plus a 5.5% solidarity surcharge, or 26.375% in total, along with 8 or 9% church tax, if applicable and depending on your federal state.

You may also need to pay a preliminary tax, or ‘Vorabpauschale’, on potential gains generated by certain accumulating funds like ETFs.

Will more stocks and ETFs be available in the future?

Absolutely. Our selection of stocks and ETFs will continue to expand across categories. Stay tuned!

Why can't I find stocks and ETFs in my app?

At the moment, our stocks and ETFs product is only available to customers in Germany and Austria. In the coming months, we'll expand this offer to different countries — so check for email updates or follow us on social media!

Can I transfer stocks and ETFs from my previous broker to N26?

This feature isn't available yet, but we’re working to make it possible soon.