Make your money work harder
Invest in a Flexible Cash Fund in the N26 app to earn up to 2.61% p.a.1, with flexibility to deposit and withdraw your money.
Capital at risk.
A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 22/10/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results.
*The variable annual return rate shown (2.61%) is net of fund management costs, before any N26 service fee, and reflects information provided by the fund manager, Fidelity International, as of October 1, 2026. This rate is subject to change on a daily basis based on market conditions, and past performance is not a reliable indicator of future results. Daily returns (positive or negative) will be reflected transparently in your portfolio.
1 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 and Conditions. The statements in this email do not constitute financial advice. Example portfolio values shown are fictional and for illustrative purposes only. Service of reception and transmission 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 (Prenzlauer Allee 242 - 247, 10405 Berlin, Germany; CR Berlin Charlottenburg, HRB 232445 B). Fund issued and managed by FIL Investment Management (Luxembourg) S.à r.l. (RCS Luxembourg B88635).
2 The flexible cash fund is a regulated investment in a Money Market Fund (MMF) managed by Fidelity International. Unlike a traditional cash deposit, it is invested in short-term, high-quality instruments that are subject to market fluctuations. The fund has a summary risk indicator (SRI) of 1 on a scale of 1 to 7 (see KID) and has a suggested minimum holding period of six months. While designed for stability, the flexible cash fund is not a guaranteed investment. The variable annual return rate is not guaranteed, and the risk of loss of principal is to be borne by the investor.
While N26 does not charge transaction fees, service fees and standard fund management costs may apply. After the promotional period (January 1, 2027), the N26 service fees, calculated on the invested amount, are 0.30% p.a. for Standard, 0.25% p.a. for Smart, and 0.20% p.a. for Go (no N26 service fee applies for Metal). 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.