Grow your savings by 2,26% AER — only with N26
- 2.26% AER* interest calculated daily, paid monthly
- No minimum deposit
- No conditions or fees
- Instant access
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.
*After 13/03/2025, the Instant Savings interest rates are going to change as follows:
Metal plan: 1.8% AER (2.0% NIR) from 14/03/2025 to 22/04/2025, and 1.55% AER (1.75% NIR) starting from 23/04/2025.
For Standard, Smart and Go plans: 1% AER (1% NIR) from 14/03/2025 to 22/04/2025, and 0.55% AER (0.75% NIR) starting from 23/04/2025.
What is N26 Instant Savings?
Interest Calculator
Calculate interest
Calculate your future savings and brutto interest income (before withholded tax).
Fill the following information
Total deposit
€15,225.00
Interest paid
€225.00
TIN 0% and APR: 0%.
*2.26% AER (2.26% annual NIR). With this interest rate, if you maintain a daily balance of 15,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 339 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com
Saving just got more rewarding
Grow your money
Earn interest on your savings — calculated daily and paid out monthly to grow your balance automatically.
Access anytime
No need to lock your money away. Deposit and withdraw any amount in seconds via the N26 app, as often as you like
No extra fees
Open your Instant Savings account with just a few taps in the N26 app — for free.
No deposit limits
No minimum or maximum deposit limits and no penalties for withdrawals, you’re free to save at your own pace.
Start earning interest today
Welcome to N26! Say hello to your new bank
What's next?
N26 accounts — your money deserves an upgrade
N26 Standard
The free online bank account
€0.00/month
- 1,25% AER/NIR* interest on your N26 Instant Savings
- Worldwide payments and no foreign transaction fees
- Up to 3 free domestic ATM withdrawals
- -*Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
€4.90/month
N26 Go
Travel with premium perks
€9.90/month
- 1,5% AER/NIR* interest on your N26 Instant Savings
- Unlimited free withdrawals in foreign currencies
- Insurance for delay and theft of luggage
- Medical emergency cover
N26 Metal
Our most premium plan
€16.90/month
- 2% interest on your N26 Instant Savings
- An 16-gram metal card
- Up to 8 free ATM withdrawals per month
- Priority customer hotline
N26 Standard
The free online bank account
€0.00/month
- 1,25% AER/NIR* interest on your N26 Instant Savings
- Worldwide payments and no foreign transaction fees
- Up to 3 free domestic ATM withdrawals
- -*Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.
N26 Smart
Save + spend with premium perks
€4.90/month
N26 Go
Travel with premium perks
€9.90/month
- 1,5% AER/NIR* interest on your N26 Instant Savings
- Unlimited free withdrawals in foreign currencies
- Insurance for delay and theft of luggage
- Medical emergency cover
N26 Metal
Our most premium plan
€16.90/month
- 2% interest on your N26 Instant Savings
- An 16-gram metal card
- Up to 8 free ATM withdrawals per month
- Priority customer hotline
- 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.
- 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.
- If you are a Metal member, your interest is calculated daily based on your account balance. For example, if you maintain a daily balance of €15,000 in your Instant Savings account for 12 months and you have a Metal membership, you’ll earn a total of €375 in gross interest, before taxes. Similarly, if there are 30 days in a month and your Instant Savings account balance remains at €15,000 for the whole month, you’ll earn a total of €30.82 (€15,000 x 2.5% x 30/365) in gross interest for that month.
- You may deposit as much money as you like into your savings account: you’ll earn interest on the total balance of your Instant Savings account.
- N26 Instant Savings is a fully flexible easy-access savings account, so there are no penalties for withdrawing a part — or all — of your deposit before the end of the month. You won’t lose any interest that was already paid out, nor will you lose any interest that’s already been calculated for the previous days of the current month.Your interest is calculated every day according to the current balance of your Instant Savings account — so once you make a withdrawal, you will simply earn less interest than before, because your savings account balance will be lower.
- No, there are no minimum or maximum deposit limits for N26 Instant Savings. You can deposit as much money as you like into your easy-access savings account, and you’ll earn interest on the total balance of your Instant Savings account.
- Yes, the interest you earn in your N26 Instant Savings account is taxable by the Spanish government. But no stress — we’ll automatically withhold and transfer this tax percentage to the authorities on your behalf every month, when you receive your earned interest. However, you might need to pay additional taxes if the withholding applied is lower than your applicable income tax rate.