Budgeting with N26—helping you manage and save your money

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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

Instant push-notification—you don’t wanna miss a thing

Thanks to the N26 app’s push-notifications, you’ll always be in the know of where your money is going. Receive push-notifications immediately after all transactions, including card and mobile payments, ATM withdrawals, direct debits and transfers.
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Spending limits—you’ve got the power

Set daily spending limits, lock or unlock your card and reset your PIN anywhere in the world, 24/7 and directly from the N26 app. After all, you’re in control and it’s you that decides how much you spend, and what you spend your money on.

Master your spending with Insights

Ready for a simple and quick view of your finances? Meet N26 Insights, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.

Spaces—the starting point to budget all your plans

N26 Spaces lets you create sub-accounts that allow you to easily budget and save money. These sit alongside your main N26 account, letting you transfer money between them instantly, budget wisely and put funds aside by separating your savings from expenses.
Spaces—the starting point to budget all your plans.

Budgeting your ideas: one space to rule them all

You can name your space after its purpose so you feel the motivation needed to save for it. Here’s how to get started:
  1. Go to Spaces in the navigation bar at the bottom of the screen
  2. Select “Create a new space” and give it a name
Budgeting your ideas: one space to rule them all.

Make the most out of your money

Whether you want to set money aside for a rainy day, better understand your expenses, or take your finances to the next level, our budgeting calculators can help. Try our monthly budget calculator to better understand your money. Or, use our 50/30/20 calculator to categorize your income in a way that fits your life.
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Buy together, save together—Shared Spaces

Shared spaces are a smart way to budget with other people. Easily share the rent, pay bills, or even just create a shared piggy bank for saving with your partner without the need to open a joint account. Each participant can transfer money between the shared space and their own N26 account, and keep track of all transaction activities and progress.
Buy together, save together—Shared Spaces.

Make your space at home

Any N26 customer can be invited to participate in a shared space. However, only N26 premium account holders with either N26 Smart, You or Metal can be the owner of a new shared space. Budgeting with friends and family has never been so simple! Once you’ve created a new space, tap the “+” button in the top right corner to share it with up to 10 people.

Rules for Spaces—rule your budgeting

You can set rules for each space, allowing you to create standing orders within your spaces. This makes budgeting even faster. It works like a normal standing order but—instead of between two different accounts—you move your money between your spaces and your main account. You can create up to 10 rules for each space.

Set up a rule, then move on

You only need to set up a rule once, and then the app does the rest of the work for you. Your money will be moved automatically on set dates, making budgeting easier:
  1. Select a space and tap on the 3 dots
  2. Choose “Create a new rule”
  3. Tap “Repeat this transfer” and choose the frequency.
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Grow your savings by 1.5% AER/NIR* — only with N26

With N26 Instant Savings, your savings can earn you interest — and you can still dip into it whenever you need. Join N26 and start growing your savings:
  • 1.5% AER/NIR* interest calculated daily, paid monthly
  • No minimum or maximum deposit limits
  • No conditions or fees
  • Instant access
  • Available with free and premium N26 bank accounts
N26 Metal customers enjoy our highest interest rate: 2.3% AER (2.5% NIR)*. It’s yet another benefit of our most premium bank account.
Start saving now
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Find the plan
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Budgeting Tips from N26

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How to save money fast: 17 tips to grow your savings

Whether your financial goals are big or small, these life hacks will help you save money faster.

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Personal financial planning—tips on setting yourself up for the future

The best way to safeguard your future? Start personal financial planning today. Read on to learn how.

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9 budgeting apps to help your money go further

We’ve compiled a list of the best budgeting apps for iPhone and Android. Use these apps to build a budget that makes saving simpler and more rewarding.

FAQ

    Budgeting is the process of making and preparing your own spending and savings plan for the future. This allows you to think ahead, organize your plans and know in advance if you’ll have enough money to do what you like in the coming months or years.

    It’s very important to budget as it helps keep your finances in order—so you can spend money on the things that matter most to you, while avoiding any financial stress or debts.

    N26 has many saving and budgeting tools to help you to organize your personal finances. Shared Spaces can help you save and split expenses with family and friends, and you can also automate recurring money transfers between spaces and your main account with Rules. The N26 app also offers Insights, a feature where you can see your monthly spending split by category, so you’ll know exactly where your money is going.

    Each space created with Spaces is a sub-account that sits parallel to your main N26 account. They hold your money but can’t be used for spending or transactions.

    N26 You and Metal users can have up to 10 additional spaces active at once. You can create, edit and delete spaces as often as you like.

    Shared Spaces is a new shared sub-accounts banking feature that sits within N26 Spaces—it’s accessible via the N26 app and web app. It lets you create a sub-account and share it with up to 10 other N26 users. Shared Spaces lets you invite your partner, friends, roommates and family as participants to add and spend together from the same Spaces sub-account. Each participant can easily transfer money between the shared space and their own N26 account, and even keep track of all transaction activities just by viewing the space details.

    With traditional joint accounts, two people open the account together, and then have equal legal ownership of it. The difference with Shared Spaces is that the N26 premium user who creates the space is the sole owner of the space. This means that anyone the owner invites to join is merely being given ‘Power of Attorney’ which allows them to access and/or contribute to the funds within that space. Shared Spaces is the perfect solution for those looking for a simple, flexible and secure solution for handling a collective pool of money. N26 premium customers can save and share expenses with up to 10 people per shared space. You can do this with anyone you know and trust, and that has an N26 account—this includes partners, family members, friends, roommates and colleagues. You can also remove a participant at any time. Read more about how it works here.

    You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.