Grow your savings by 2,26% AER — only with N26

With N26 Instant Savings, you can earn monthly interest on your savings while still being able to dip into it anytime you need to. Join N26 and start growing your savings:
  • 2.26% AER* interest calculated daily, paid monthly
  • No minimum deposit
  • No conditions or fees
  • Instant access
A hand of a man showing a cell phone with the N26 banking application open, with a blue sky in the background and the logo of the World Best Banks according to Forbes.

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. *2.05% AER (2.25% annual NIR). With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Metal Instant Savings account for a period of 12 months, you will obtain a total gross interest of 2,047.20 euros. New N26 Savings Account customers opening before February 6, 2025 get a 0.25% bonus additional to the aforementioned rate, calculated daily until February 5, 2025. **1.25% AER (1.25% 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 187.50 euros. New N26 Savings Account customers opening before February 6, 2025 get a 0.25% bonus additional to the aforementioned rate, calculated daily until February 5, 2025.

What is N26 Instant Savings?

N26 Instant Savings is an easy-access savings account that’s 100% flexible and available for free in the N26 app.N26 Instant Savings is the account that allows you to earn interest on all your savings — with no minimum or maximum deposit amount. You can instantly withdraw your money anytime, keeping all interest you’ve already earned. Win-win.

Interest Calculator

Calculate interest

Calculate your future savings and brutto interest income (before withholded tax).

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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 up to 2.3% AER (2.5% NIR)* interest — 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

Get your Spanish tax ID verified within 3 business days — then simply head to ‘Spaces’ in the N26 app and tap on ‘Instant Savings’ to create your easy-access savings account.

Welcome to N26! Say hello to your new bank

Haven't heard of N26 yet? Join over 8 million customers who trust N26 to manage their money on-the-go and discover why we’re featured in Forbes World’s Best Banks of 2023. With a full banking licence and deposit protection up to €100,000 by the German Protection Scheme, your money is always in safe hands.Open your bank account in just minutes from your phone and enjoy a 100% digital banking experience, with no hidden fees — just all the tools you need to make banking simple and stress-free.

What's next?

1. Register online2. Verify your identity in a short videocall3. Receive your N26 Mastercard4. Enjoy your N26 account
illustration of residency.

N26 accounts — your money deserves an upgrade

N26 Standard

The free online bank account

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

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    *Need a physical card? Order a transparent debit Mastercard card for an one-time €10 delivery fee.

POPULAR

N26 Smart

Save + spend with premium perks

N26 You card, Teal.

€4.90/month

All benefits of N26 Standard, Plus
  • 1,5% AER/NIR* interest on your N26 Instant Savings

  • Up to 5 free ATM withdrawals per month

  • 10 Spaces sub-accounts

  • Phone support 7 days a week

N26 You

Travel with premium perks

N26 You card, Rhubarb.

€9.90/month

All benefits of N26 Smart, Plus
  • 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

N26 Metal - Slate Grey.

€16.90/month

All benefits of N26 You, Plus
  • 2.5% AER (3% NIR)* interest on your N26 Instant Savings

  • An 18-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 is automatically calculated and paid out to your Instant Savings account on the first day of each 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.