Risk indicator for all N26 accounts.
1
/6
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.

N26 Instant Savings account

Earn interest on your savings

Looking to make your money work for you? Here’s another reason for you — and your money‌ — to love N26. Grow your savings with 4% NIR (3.8% AER)* interest with Metal, 2.26% TIN (2.26% AER) with Standard, Smart and You, while still being able to dip into it anytime.
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*3.8% AER (4% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €3 797.20.

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.Earn interest on all your savings (no minimum or maximum deposit limits), and instantly withdraw anytime — without losing any interest you’ve already earned. Win-win.

Saving just got more rewarding

Grow your money

Earn up to 4% NIR* (3.8% AER) 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.

N26 accounts — your money deserves an upgrade

MORE INTEREST

N26 Metal

The premium bank account with a metal card

N26 Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - N26 Metal Card.

€16.90/month

All benefits of N26 You, Plus

  • 4% NIR (3.8% AER)* interest on your N26 Instant Savings

  • Up to 10 Spaces and 8 free domestic ATM withdrawals

  • Extended travel, phone, and purchase protection insurance

  • 18-gram metal card

Open N26 Metal account

N26 You

The all-in-one account for banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
N26 You card, Teal.

€9.90/month

  • 2.26% NIR/AER* interest on your N26 Instant Savings

  • Up to 5 free domestic ATM withdrawals

  • Up to 10 Spaces sub-accounts

  • Travel insurance

Open N26 You account

N26 Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

  • 2.26% NIR/AER* interest on your N26 Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • Virtual and physical card

Open N26 Smart account

N26 Standard

The free account for your everyday banking needs

The N26 virtual card.
Virtual Card

€0.00/month

  • 2.26% NIR/AER* interest on your N26 Instant Savings

  • Worldwide payments and no foreign transaction fees

  • Up to 3 free domestic ATM withdrawals

  • Virtual debit card

Open free bank account

Get more with N26 Metal

N26 Metal customers earn 4% NIR* (3.8% AER) interest on Instant Savings — our highest interest rate.As our most premium banking experience, N26 Metal also includes discounted crypto fees of just 1% for Bitcoin and 2% for other coins**, an extensive insurance package, priority customer support, and a unique stainless steel debit card.
Discover N26 Metal
Hand holding a Metal N26 card.

Interest Calculator

Use our interest calculator to understand how your money can grow over time with N26.

Enter your starting balance and a time period:

New balance

€10,400.00

Gross interest

€400.00

Start earning interest today

Opening your N26 Instant Savings account is easy. Not a customer yet? Sign up to N26 right from your phone.Once you have your N26 account set up, get your tax ID verified. Then, simply head to the ‘Finances’ tab in the N26 app and tap on ‘Instant Savings’ to create your savings account.
Open bank account

Your money is protected

N26 is a fully-licensed bank. That means the money in your bank account — including Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
See how N26 is simply secure

Bank like the locals with N26 x Bizum

Did you know you can also instantly send, receive, and request money with Bizum from your N26 app?Simply enter a phone number to send or request money. If you’re shopping, you can also pay with Bizum in participating stores in Spain.
Learn more

*N26 Instant Savings has no minimum or maximum deposit limit. *3.8% AER (4% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €3 797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at n26.com. **The N26 Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, standard fees apply: 1.5% on Bitcoin and 2.5% on all other coins (fees are always rounded up to the nearest full cent—to a maximum of one cent—which may lead to a slight increase of the fee percentage shown in the order preview. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda.

FAQ

  • Why can’t I find Instant Savings in my N26 app?
  • Who is eligible for N26 Instant Savings?
  • Is this interest rate only for new customers?
  • When and how is my interest paid?
  • How is my interest calculated?
  • Where can I find N26 Instant Savings?
  • Is there a limit on the amount of interest I can earn with N26 Instant Savings?
  • What happens if I make a withdrawal before the end of the month?
  • What do AER and annual NIR mean?
  • Does N26 Instant Savings have a deposit limit?
  • Will I need to pay taxes on my earned interest?
  • Do I need my Spanish tax ID? Where can I find my Spanish tax ID?
  • Can customers with German IBAN open an N26 Instant Savings account?
  • Can N26 Business customers open an Instant Savings account?
  • What does “risk level of the product” mean?