Buy stocks and ETFs with N26
Invest in yourself
Want to live in the moment while planning for the future? With N26, buy stocks and ETFs right from your phone.
- Simple, intuitive, and easy to use
- Just €0.90 per trade
- Free trades for N26 You and Metal
Risk indicator for all N26 accounts.
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N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
RISK INDICATOR corresponding to the securities product offered by Upvest Securities GmbH
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The execution, administration and custody product of Equities and ETFs offered by Upvest in free provision of community services has the following Risk Indicator in accordance with the provisions of Order ECC/2316/2015: 6/6
All in one app
N26 combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With N26, all the tools you need to build your financial wealth are in one place.
Make your future self proud with a plan
Investing can be stressful. Get some peace of mind with a fully-automated investment plan, available for all memberships at no extra cost in the N26 app. You decide how much and how often you want to invest. Start your plan any day you like with more than 500 stocks and 300 ETFs to choose from, and even more coming soon.Set up your first stress-free stock or ETF investment plan now, and make your money work for you.
Simple rates and free trades
Say goodbye to hidden fees for good with:
- A flat rate of just €0.90 per trade* and a complete overview of your portfolio, transaction fees, gains, and losses.
- 15 free trades every month with N26 Metal — and 5 with N26 You.
N26 accounts — Your money deserves an upgrade
15 FREE TRADES
N26 Metal
The premium bank account with a metal card
€16.90/Month
15 free monthly trades for Stocks and ETFs
Up to 8 free domestic ATM withdrawals
2.3% AER (2.5% NIR)* interest on your N26 Instant Savings
N26 You
The all-in-one account for banking and travel
€9.90/month
5 free monthly trades for Stocks and ETFs
Up to 5 free domestic ATM withdrawals
1.5% AER/NIR* interest on your N26 Instant Savings
N26 Smart
The bank account that gives you more control
€4.90/month
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
Free payments worldwide
Up to 2 free domestic ATM withdrawals
1.5% AER/NIR* interest on your N26 Instant Savings
What are stocks and ETFs?
Stocks represent ownership in a company. When you buy a stock, you're buying a piece of that company. You can earn some of the company's profits through dividends, or when the price of the stock goes up. ETFs, or ‘Exchange Traded Funds’, are a type of index fund made up of various assets — such as stocks or bonds.
Pick and choose from 850+ stocks and ETFs
Popular ETFs
From some of the largest ETF providers — such as iShares, Xtrackers and Amundi.
Stock market ETFs
Invest directly in a specific stock market of your choice, like S&P 500 or NASDAQ-100.
Emerging markets ETFs
Choose ETFs from specific regions or countries to invest in, such as iShares IV-MSCI China Tech.
Sector ETFs
Invest in ETFs from specific sectors — such as AI, clean energy, or robotics.
Allianz
Offering solutions in insurance and asset management worldwide.
Tesla
The American multinational automotive and clean energy company.
Apple
One of the world’s largest technology companies by revenue.
Netflix
Part of the leading entertainment service providers worldwide.
N26 is simply secure
N26 is a fully-licensed German bank, so your funds are protected up to €100,000 by the German Deposit Protection Scheme. However, because stocks and ETFs include a wide range of securities that fluctuate with the market, we can't guarantee returns or prevent losses.
Learn more about security at N26
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds 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. The values depicted are fictional and for illustrative purposes.
The service of receiving and transmitting orders for financial instruments (Equities and ETFs) is provided for clients of N26 Bank AG, Sucursal en España by its parent company N26 Bank AG, a public limited company under German law with a share capital of 120,000 euros, and address in Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 247466 B, under the regime of free provision of community services in accordance with its registration under number 5223 in the Registry of Community Credit Institutions operating in Spain under the regime of Free Provision of Services. the National Securities Market Commission.
The N26 broker service is provided, from the N26 app in association and through the entity Upvest Securities GmbH, a limited liability company under German law with a share capital of 25,000 euros and address at Schlesische Straße 33/34 , 10997 Berlin, Germany with a European licence to provide order execution, administration and custody services in accordance with its registration under number 5223 in the Registry of Investment Services Companies of the European Economic Area in Free Provision of the National Commission of the Stock Market.
*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. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025.
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, discounting the annual amount of the subscription to the N26 metal category of 202.80 euros your annual remuneration amounts to a gross amount before withholdings and taxes of 2,047.2 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. Additionally, for all new customers who open the N26 Savings Account before February 6, 2025, an additional 0.25% bonus will be added to the previously mentioned interest rate. This bonus will be calculated daily based on the annual nominal interest rate until February 5, 2025. See conditions at n26.com.
N26 offers over 300 ETFs in a variety of categories, including those tracking MSCI World or the S&P 500. We’ll continue to offer more ETFs as time goes on.
N26 offers over 500 stocks in a variety of categories. We’ll continue to offer more stocks as time goes on.
Your purchases, sales, and portfolio with N26 are protected and secured. However, because stocks and ETFs include a wide range of securities that fluctuate with the market, we cannot guarantee returns or prevent losses.
Stocks and ETFs are a basket of securities, and are traded on the stock market just like individual stocks. This means that prices fluctuate all the time, and N26 has no influence on the wins or losses in your portfolio. Diversification can reduce risks by spreading out investments across different financial assets rather than concentrating it all in one asset. Your deposits at N26 are protected up to €100,000 by the German Deposit Protection Scheme. The Investor Compensation Scheme protects 90% of liabilities arising from investment business, limited to the equivalent of €20,000.
Every investment strategy is different, so there’s no governing principle on how to choose the right stock or ETF. In the N26 app, you’ll find detailed information on each stock and ETF we have on offer. Plus, our blog features helpful articles on investing in stocks and ETFs.
What you pay for an ETF is known as the “market price” — which is determined based on how many people want to buy or sell that ETF at a given time. The market price should be closely aligned with an ETF’s net asset value (NAV). This figure is calculated daily by adding up all the ETF’s assets and cash holdings, subtracting any liabilities, and then dividing by the number of outstanding shares. This may sound confusing, but the point of NAV is to serve as a reference point for people interested in purchasing shares of the ETF, ensuring that they’re paying a fair price.
To get more granular, investors may also reference the ETF’s intraday net asset value iNAV, which is measured throughout the day to keep up with price fluctuations. This figure is a more accurate measure to compare with the market value of the ETF you’re looking to buy, but it may not directly reflect the price you actually pay, as that figure may rise or fall depending on how high or low demand is.
A share price is the price of a single share of a number of saleable equity shares of a company. In simple terms, the stock price is the highest amount someone's willing to pay for the stock, or the lowest amount that it can be bought for.
For every trade — meaning every purchase or sale — of a stock or ETF with N26, you’ll pay a fee of €0.90, as well as the specific ETF management fee, if applicable. N26 Metal customers get 15 free trades every month. N26 You customers get 5 free monthly trades.
Since all gains from your stocks and ETFs with N26 are made in Germany, all taxable events happen under German law and
jurisdiction, in German territory. This doesn't affect the eventual mandatory application of tax rules from another jurisdiction, specifically Spain.
If you live and pay taxes in Spain, you’re responsible for declaring the ownership and profits of your stocks and ETFs to the State Tax Administration Agency (AEAT), or the relevant local, regional and provincial treasuries.
Absolutely. Our selection of stocks and ETFs will continue to expand across categories. Stay tuned!
At the moment, our stocks and ETFs product are only available to eligible customers in Germany, Austria, France, Spain, and the Netherlands. In the coming months, we'll expand this offer to different countries — so check for email updates or follow us on social media!
This feature isn't available yet, but we’re working to make it possible soon.