Save with more interest with Bizum

Open a free N26 account and link your Bizum to N26 to get 2.53%* AER on your savings. Save flexibly and dip into your savings whenever you like.Open a bank account
A digital N26 card with a Mastercard logo is displayed above the text "2.79% AER*" on a green background.
Risk indicator for all N26 accounts.
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This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.

Boost your savings

Open an account

Valid for new customers who open an N26 account from March 12 onwards.

Activate your rate

Link your Bizum to N26 and open an Instant Savings account.

Save at 2.53%* AER

Start earning 2.53%* AER on your savings right away, on balances up to €50,000.

*The 2.53% AER (2.50% annual NIR) offer is only available to new customers who open an N26 account from 23/04/2025 onward and have Bizum linked to their account. The rate applies to deposits up to €50,000 in your N26 Instant Savings account. If a daily balance of €50,000 is maintained in Instant Savings for 12 months, the total gross interest will be €1,250. Monthly interest settlement. No fees apply to Instant Savings. T&Cs apply. Without linking Bizum to N26, the regular interest rates for Instant Savings accounts depend on the membership plan. Currently, interest rates are 1.56% AER (1.75% NIR) with N26 Metal and 0.75% AER (0.75% NIR) with N26 You, Smart, and Standard. **

Grow your money

Earn interest on your savings — calculated daily and paid out monthly.
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100% flexible

No need to lock your money away. Deposit and withdraw any amount, whenever you want.
A person wearing a light-colored coat holds a gold-colored bank card with blue-painted nails. A digital overlay shows an ATM withdrawal.

Your money is protected

The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
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Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Open a bank account

To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking. N26 Bank SE, Sucursal en España with NIF W2765098E, is a permanent establishment in Spain of the German entity N26 Bank SE, registered at the Bank of Spain with entity number 1563 and head office at Paseo de la Castellana 43, 28046, Madrid. N26 Instant Savings account from 0 euros and without limit of amount. See conditions at https://n26.com. **Information on Instant Savings applicable to customers who joined before 12/03/2025 and new customers without Bizum linked to N26. Interest is settled monthly and applies to any amount deposited in the Instant Savings account, with no maximum limit. Under the current 1.56% AER (1.75% 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 €1,750 in gross interest. With 0.75 % AER (0.75% annual NIR) with N26 Standard, Smart and You, maintaining a daily balance of €20,000 for 12 months would generate €150 in gross interest.

FAQ

    N26 operates with a full European banking license, which protects deposits up to €100,000 under EU law. We currently operate in 24 markets worldwide and have over 8 million customers.

    N26 operates with a full European banking license, which protects your money up to €100,000 under EU law. With features like 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, we make your security our top priority.

    Eligible customers must have a personal or business N26 bank account with a Spanish IBAN, have a registered local tax identification number, and be a resident of Spain. Additionally, if you have renewed your identity document after opening your N26 account, you will need to contact us by chat in the N26 app to update your information. Please note that other security-related eligibility criteria may apply.

    Simply defined, AER and annual NIR are measures of the interest rate you’ll earn on your savings in a year. NIR (Nominal Interest Rate) is the fixed percentage you’ll earn as agreed upon with your bank. AER (Annual Equivalent Rate), on the other hand, is the actual interest rate with compounding effect, including any bank fees and extra costs.As Instant Savings is offered to N26 customers at no extra cost, the AER is the same as the annual NIR. In Spanish terms and conditions, AER and annual NIR are often called TAE (Tasa Anual Equivalente) and TIN (Tipo de Interés Nominal) respectively.

    To start using Bizum, open your N26 app, go to Send money and link your Bizum to your account by following a few easy steps. If you already have it linked to another bank, you can transfer it to N26, quickly and easily, without having to communicate with your old bank.

    In order to use Bizum you must have a cell phone number, and a bank account with a Spanish IBAN at one of the banks that currently offer Bizum.

    No, you can only link your Bizum to a single bank account at any one time.

    Link your Bizum to your N26 account and open an Instant Savings account. Earn 2.53% APR on deposits up to €50,000. To continue enjoying this interest, you just need to keep your Bizum linked. For any balance over €50,000, your N26 plan's standard interest rate will apply. The offer is only valid for new customers who open an N26 account from March 12 onwards.

    The interest you earn on your savings is automatically calculated based on the interest rate displayed in the app and paid out to your Instant Savings ccount on the first day of the following month.