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Build your nest egg
Earn 1.30% AER with N26 Instant Savings1 and up to 2.31% p.a.2 with our flexible cash fund. Capital at risk.Invest in stocks, ETFs3, and crypto4 from €1.
1 Interest is settled monthly and applies to any amount deposited in the Instant Savings account, with no maximum limit. Under the current 1.30% AER (1.5% annual NIR) with N26 Metal (annual cost of the subscription of 202,8 euros), maintaining a daily balance of €100,000 in an N26 Metal Instant Savings account for 12 months would generate €1,500 in gross interest. With 0.50% AER (0.50% NIR) with N26 Go, 0.50% AER (0.50% NIR) with N26 Smart, and 0.50% AER (0.50% NIR) with Standard, maintaining a daily balance of €100,000 for 12 months would generate €500 in gross interest.
2 The variable annual return rate shown (2.31%) is presented net of fees and reflects information provided by the fund manager, Fidelity International, as of 11/06/2026. This rate is subject to change on a daily basis based on market conditions.
All investments carry a risk of capital loss. A flexible cash fund is not a guaranteed investment, and a total loss of your investment is possible at any time. The risk of loss of principal is borne entirely by the investor. Investing in a flexible cash fund differs from an investment in deposits. The capital invested may fluctuate. The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share. Before investing, please assess your financial situation carefully and consider seeking independent advice, review as well the Key Information Document (KID) and our full Terms & Conditions. The statements on this landing page do not constitute financial advice. The values depicted are fictional and for illustrative purposes only. Service of reception and transmission service for financial instruments by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Execution and securities custody by Upvest Securities GmbH (Schlesische Straße 33/34, 10997 Berlin, Germany, HRB 232445 B). Fund issued and managed by Fidelity (RCS B88635).
A flexible cash fund is a regulated investment product managed by Fidelity. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. As with all money market funds and other investments, there are inherent risks, including market, liquidity, and volatility risks.
When you withdraw from a flexible cash fund, you instruct us to sell your shares in the underlying money market fund. The proceeds from this sale may take up to 2 business days to reach your account. T&Cs apply.
3 Buying and selling stocks, ETFs, and ETCs through the N26 app costs €0.90 per transaction. N26 Go customers receive 3 free trades per month, while N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments 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. Past performance is not a reliable indicator of future results.
A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market.
The reception and transmission service for stocks, ETFs, and other assets is provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody).
4 The market for crypto assets constitutes a high risk. Crypto assets are subject to high fluctuations in value — declines in value or a complete loss of the money spent are possible at any time. Past performance is not a reliable indicator of future performance. N26 Crypto is powered by Bitpanda Asset Management GmbH. Dircksenstrasse 4, 10179 Berlin | Deutschland | Gericht: Amtsgericht Berlin Charlottenburg | Handelsregisternummer: HRB 258842 B
FAQs
- Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
- By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
- To open an account, you’ll need a valid government-issued ID, for example a passport, and a valid Spanish tax identification number (NIF or NIE). You’ll also need a smartphone to use your account and have a legal address in Spain.
- The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.
- Sending money abroad with N26 is simple and intuitive. You can choose from a variety of different transfer types — from bank transfers and SWIFT payments to debit or credit card transfers, and much more — for a low, transparent fee. To send money internationally, simply open your N26 app, tap ‘Send money’ on the Home tab, and select ‘Foreign currency transfer’. You’ll be guided through the steps to complete your transfer the quick and easy way.
- You don’t need a Wise account to send money internationally, as we’ve has partnered with Wise so you can make foreign currency transfers directly in the N26 app.
- Some payments will be processed instantly, and most will be completed in one business day. However, this can vary depending on the currency. When you enter your transfer details, we’ll give you a quote and estimated arrival for different transfer options.