Grow your savings by up to 3% NIR*
- 3% NIR (2.8% AER)* for N26 Metal and 2% AER* for the rest
- Interest calculated daily, paid monthly
- No minimum or maximum deposit limits**
- No conditions or fees
- Instant access
![The image shown an interest rate of 2.26% with a woman in the background.](https://images.ctfassets.net/q33z48p65a6w/4dTGjjPwIm5FK6Iu3JjGMp/d4b05049120638415567ee76cf0b9861/CRST3916_Instant_Savings_Interest_Rate_Change_Homepage_Web_textmedia_centered_white_1400x1050px_EN_ES.png?fit=thumb&fm=png&q=80&w=360)
![](https://images.ctfassets.net/q33z48p65a6w/4JE3kCHK4eTRBZB9m6HIf9/e9002fb480fec99582fa57a6f27281e2/CRST-3011_Web_Module2_2_account_overview_rhubarb_940x707px_EN.png?fit=thumb&fm=png&q=80&w=452)
![](https://images.ctfassets.net/q33z48p65a6w/575zwzy8YI32gx4Ea80UnJ/672081c31b53d2935ba51df1b6e7be2a/CRST-3011_Web_Module2_3_account_overview_teal_940x707px_EN.png?fit=thumb&fm=png&q=80&w=452)
Social Security
Collect your benefits and pay self-employment fees with your N26 account.
![](https://images.ctfassets.net/q33z48p65a6w/4dbfx8RfrQmmxJYXJNU3R9/901127cf39e6322e19ec26f9e4ee597a/CRST-3011_Web_Module2_4_account_overview_wheat_940x707px_EN.png?fit=thumb&fm=png&q=80&w=452)
N26 Spaces
Not a fan of paperwork? Spend, budget, and save right from your phone.
![Marco and Maya hugging outdoor. Marco is holding his N26 card and Maja her mobile. In the foreground, there is a pop up showing the joint account balance of 1.235 euros.](https://images.ctfassets.net/q33z48p65a6w/5NKbe0NWXkUDJatFfkGTCW/e77760c59136e9974a47cb0b808c6b9c/CRST-3011_Web_Module3_4_account_overview_wheat_940x707px_ES_Option1.png?fit=thumb&fm=png&q=80&w=452)
Joint Accounts
Manage your shared finances comfortably with a free account with a unique IBAN.
Invest in stocks, ETFs, and crypto
![Gymnast wearing teal color clothes and holding a mobile with the N26 app open. In the foregound there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.](https://images.ctfassets.net/q33z48p65a6w/2bv8ORkTYZVigblpEru31x/62e5f211f55a7cbd6005b6015651f786/CRST3852_Equities_Market_Expansion_Web_textmedia_centered_Tier_Module_Standard_Smart_1400x1050px_EN.png?fit=thumb&fm=png&q=80&w=360)
N26 accounts — your money deserves an upgrade
N26 Metal
The premium bank account with a metal card
![N26 Metal - Charcoal Black.](https://images.ctfassets.net/q33z48p65a6w/4tH5CPvCzm6eWusOuACoaU/bc5e6d4e6ab790cce10052fd55b5e4f1/n26-cards-mastercard-metal-charcoalblack.png?fit=thumb&fm=png&q=90&w=160)
![N26 Metal - Slate Grey.](https://images.ctfassets.net/q33z48p65a6w/6F8ki0yHtuSUCwEeCeWMq8/792891200a1f50ad300356e798abb9ca/n26-cards-mastercard-metal-slategrey.png?fit=thumb&fm=png&q=90&w=160)
![Quartz Rose - N26 Metal Card.](https://images.ctfassets.net/q33z48p65a6w/1WVYdUNU7q84ISMKMsgwaK/1b64435a702939ea46dbe8938d972df5/n26-cards-mastercard-metal-quartzrose.png?fit=thumb&fm=png&q=90&w=160)
€16.90/month
3% NIR (2.8% AER)* interest on your N26 Instant Savings
Up to 10 Spaces and 8 free domestic ATM withdrawals
Extended travel, phone, and purchase protection insurance
18-gram metal card
N26 You
The all-in-one account for banking and travel
![N26 You card, Petrol.](https://images.ctfassets.net/q33z48p65a6w/63bHYeBzGel7qMrWS50qal/643862fbfbd72ca876f384d5ad0944c6/n26-cards-mastercard-petrol-de.png?fit=thumb&fm=png&q=90&w=160)
![N26 You card, Wheat.](https://images.ctfassets.net/q33z48p65a6w/1YbcSNwYlw3Iyr5X829IyL/93601386f27bc5f9f48fc7f9f64c9ff8/n26-cards-mastercard-wheat-de.png?fit=thumb&fm=png&q=90&w=160)
![N26 You card, Rhubarb.](https://images.ctfassets.net/q33z48p65a6w/7oZQg0OqfYNupp1lv9g5Cj/e3494d100fd0331940f1b4d5a12de668/n26-cards-mastercard-rhubarb-de.png?fit=thumb&fm=png&q=90&w=160)
![N26 You card, Ash.](https://images.ctfassets.net/q33z48p65a6w/WRQclrxOxjtVThiH3pm2H/9d0f83f0df7fac785b98e34f84e29c0d/n26-cards-mastercard-raven-de.png?fit=thumb&fm=png&q=90&w=160)
![N26 You card, Teal.](https://images.ctfassets.net/q33z48p65a6w/7bHsCLfXHvoqnBWbuSNXQo/932381bf72732b4cf1c082f0cf773ca2/n26-cards-mastercard-teal-de.png?fit=thumb&fm=png&q=90&w=160)
€9.90/month
2% NIR/AER* interest on your N26 Instant Savings
Up to 5 free domestic ATM withdrawals
Up to 10 Spaces sub-accounts
Travel insurance
N26 Standard
The free account for your everyday banking needs
![The N26 virtual card.](https://images.ctfassets.net/q33z48p65a6w/3ziuDwmG1mELDB7Us0eOlv/306c1814cd8ceb5fc2aafccf6ced3242/Standard_VirtualCard_MarketingComms_CardAsset_RoundedCorners_4400x2780.png?fit=thumb&fm=png&q=90&w=160)
€0.00/month
2% NIR/AER* interest on your N26 Instant Savings
Worldwide payments and no foreign transaction fees
Up to 3 free domestic ATM withdrawals
Virtual debit card
What you need to open your N26 account
![Woman laying on bed and checking her mobile.](https://images.ctfassets.net/q33z48p65a6w/1pi2Mwi5RWsXQ29l5Axn61/9de55f6cbe51f7b238afdcb48f2fdd1a/CRST-3011_Web_Module5_textmedia-centered_teal_1400x1050px_ES.png?fit=thumb&fm=png&q=80&w=360)
- Is N26 a bank?
- Is N26 secure?
- How is N26 protecting my money and personal data?
- Does N26 offer a Spanish IBAN?
- What do you need to open a bank account?
- How much does it cost to open a bank account?
- Which Spanish bank can I switch from?
- What does “risk level of the product” mean?