Risk Indicator corresponding to the bank accounts N26 Standard, N26 Smart, N26 You and N26 Metal

1/6

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.

Manage your money with N26 Spaces

Go premium, and create sub-accounts for all your financial goals. Save easily and find a better way to budget—all in one place on your smartphone.

Woman sitting on a yoga mat and watching her mobile.
Shared Spaces screen.

Sub-accounts for whatever your need

Organizing your money, or simply saving up for that big purchase? As a premium feature, N26 Spaces lets you create up to 10 sub-accounts that sit alongside your main account. It’s a fast, flexible way to put money aside—whenever you want.

Share money with friends and family

Enjoy a better way to save and manage money with others, thanks to Shared Spaces. As a premium customer, create sub-accounts and invite up to 10 participants to join and manage funds together.

Shared Spaces
A woman in the company of her instructor doing skydiving and a N26 teal card with a space called bucket list.

Pay from a Space and stay in control

Instantly link your virtual or physical Mastercard to a Space—and switch it up as often as you like. So whether you’re off to a wild bachelorette party or a bucket-list adventure, you’ll only be able to spend what’s in the linked Space. Relax, everything’s under control.

Create Rules, then forget them

Always forgetting to put money aside? Thanks to Rules with Spaces, set up recurring transfers between your main account and your spaces—simply set the amount and frequency, and watch that savings pile grow.

Spend to save with Round-Ups

Transfer funds whenever you want—in real-time. Each space is a separate sub-account, and you can drag and drop money between them by tapping the button next to the spaces’ name.

Make the most of Spaces. Get the most out of your money.

Move money between spaces

Transfer funds whenever you want—in real-time. Each space is a separate sub-account, and you can drag and drop money between them by tapping the button next to the spaces’ name.

Pay from your main account

Put money aside into a space to avoid spending it. Only your main account is attached to your card, and all payments come from here—including direct debits and standing orders.

Get a complete overview

Keeping track of multiple saving goals has never been easier. They’re all in one place—just give each space a descriptive name, and you’ll never forget what you’re saving for.

Set savings goals

Make progress towards your dreams, or just motivate yourself to save more. Each space lets you set a total amount, and shows you how close you are to reaching your goal.

N26 Metal - Charcoal Black.
N26 You card, Petrol.
N26 You Business Card, Ocean.

Save and budget with N26 Spaces

New customer? Sign up for an N26 premium account to start saving up and budgeting your way. And if you already have one, simply log into your N26 app or WebApp to create your first space.

View plans

FAQ

Each space created with N26 Spaces is a sub-account that sits parallel to your main N26 account. It’s similar to a savings account—they hold your money, but can’t be used for spending or transactions.

N26 Spaces is only available with premium accounts. Discover N26 Smart!

We called them Spaces to keep their purpose undefined. That’s up for you to decide, whether it’s saving or organizing your finances. While many sub-accounts are simply for saving, Spaces is a general tool that serves your needs, regardless of function.

Absolutely nothing! Your main account will continue to function like it did before. All your purchases, transfers, standing orders, and deposits will happen there.

If you have an N26 premium bank account, you can create up to 10 Spaces sub-accounts. These sit alongside your main account, and you can create and delete these as often as you want.

As a premium customer, you can pay from a Space with your N26 card or by bank transfer, direct debit, or standing order.

To pay from a Space with your virtual or physical card, just go to the ‘Cards’ tab then tap on ‘Card Settings’ and choose the Space you want to link your card to.

To pay by bank transfer, direct debit, or to set up a standing order for regularly recurring payments, you’ll need to create a Space with its own unique IBAN. To create a Space with an IBAN, go to the ‘Spaces’ tab, tap on ‘Create a Space’ and select ‘Bills and Payments’.

We’ll move the money immediately back into your main account.

Navigate to your N26 Finances overview. Your total balance sits right at the top above your spaces.

You can create up to 10 Spaces with an N26 premium bank account. Open yours now, and tap on the ‘Spaces’ tab in your N26 app to get started.

If you’re an N26 Standard customer who opened an account before 16/02/2021, you can also create up to 2 Spaces sub-accounts.

Your N26 Standard bank account is 100% mobile and free of charge, adding extra flexibility and convenience to your everyday. No more visiting bank branches, waiting in queues, or inconvenient opening hours. You can send, receive, and manage your money all in one app for free—from anywhere, at any time.

You’ll get a free Mastercard virtual card to pay with your smartphone in-stores, online, and in apps using Apple Pay or Google Pay. You can also withdraw cash for free 3 times per month at any NFC-enabled ATM with the contactless symbol. Plus, enjoy learning about your spending habits with Insights, a smart tool that automatically categorizes your spending in real time.