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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.
A woman with red hair in a ponytail holds a smartphone while standing near a crosswalk in a city with modern office buildings.

Save flexibly with no limits

Open a new N26 Metal account and earn 1.30% AER1 with N26 Instant Savings.
Open a bank account
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.

Grow your money

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

100% flexible

No need to lock your money away. Deposit and withdraw any amount, whenever you want.

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.

Looking for a higher yield?

Discover our flexible cash fund and earn up to 2.61% p.a.2 Start from €1 and access your invested money anytime.
Investing involves risk of financial loss.

A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 22/10/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results.

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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 Calle de Don Ramón de la Cruz, 84, 28006 Madrid. N26 Instant Savings account from 0 euros and without limit of amount. See conditions at https://n26.com.

1 1.30% AER (1.5% annual NIR) with N26 Metal. 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 1,500 euros (annual cost of the subscription of 202,8 euros). Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.

0.50% AER (0.50% annual NIR) with N26 Standard. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.

0.50% AER (0.50% annual NIR) with N26 Smart. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.

0.50% AER (0.50% annual NIR) with N26 Go. With this interest rate, if you maintain a daily balance of 100,000 euros in your N26 Instant Savings account for a period of 12 months, you will obtain a total gross interest of 500 euros. Monthly interest settlement. Applicable to any amount deposited in the instant savings account, with no maximum limit. See conditions at https://n26.com/en-es/legal-documents/savings.

2 The variable annual return rate shown (2.61%) is presented net of fees and reflects information provided by  the fund manager, Fidelity International, as of 11/06/2026. This rate is subject to change on a daily basis based on market conditions.

All investments carry a risk of capital loss. A flexible cash fund is not a guaranteed investment, and a total loss of your investment is possible at any time. The risk of loss of principal is borne entirely by the investor. Investing in a flexible cash fund differs from an investment in deposits. The capital invested may fluctuate. The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share. Before investing, please assess your financial situation carefully and consider seeking independent advice, review as well the Key Information Document (KID) and our full Terms & Conditions. The statements on this landing page do not constitute financial advice. The values depicted are fictional and for illustrative purposes only. Service of reception and transmission service for financial instruments by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Execution and securities custody by Upvest Securities GmbH (Schlesische Straße 33/34, 10997 Berlin, Germany, HRB 232445 B). Fund issued and managed by Fidelity (RCS B88635).

A flexible cash fund is a regulated investment product managed by Fidelity. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. As with all money market funds and other investments, there are inherent risks, including market, liquidity, and volatility risks.

When you withdraw from a flexible cash fund, you instruct us to sell your shares in the underlying money market fund. The proceeds from this sale may take up to 2 business days to reach your account. T&Cs apply.

FAQ

  • 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.
  • Yes, N26 may change the interest rate any time based on market fluctuation. If an increase is pending, we’ll send you a notification, after which the new rate will take effect immediately. If rates are being lowered, we’ll let you know with thirty days' notice.
  • 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.
  • 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.
  • 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.
  • We need your Spanish tax ID because when you earn interest on your savings, we're required to withhold and pay your taxes to the local tax authorities. Your Spanish tax ID number is your DNI (Documento Nacional de Identidad) if you’re Spanish, or your NIE (Número de Identidad de Extranjero) if you’re a foreign resident in Spain.
  • At the moment, only customers with a Spanish IBAN are eligible to open an Instant Savings account.
  • Yes, both customers with a personal and business N26 bank account are eligible to open an Instant Savings account, whatever tier subscription they have.
  • In Spain, the risk level of investment products is measured on a numerical scale from one to six. This means that the products marked as 1/6 are considered the safest, and those with 6/6 carry the most risk. As N26 is a member of the Deposit Guarantee Fund for Credit Institutions in Spain, all funds deposited into your N26 bank account — including Instant Savings — are always protected up to €100,000.
  • 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.