Risk indicator for all N26 accounts.
1
/6
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
6
/6
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
Hidden fees? Not our thing.
Save your cash with a free virtual card, two free ATM withdrawals a month, plus free card payments worldwide.
Your money, your control
Pay friends back in seconds with Bizum, balance your bills, and set spending limits to keep it all in check.
Future-proof your finances
Make your first steps towards financial independence with savings*, crypto**, and free stock and ETF trading***.Investing involves risk of financial loss.
Get extra flexibility
Split purchases into installments to free up cash. No waiting, no hidden fees, no problem.
Set it up between classes
Open your free account from your phone and use your virtual card right away.
*Instant Savings Account is subject to the Terms and Conditions, available here: https://n26.com/en-es/legal-documents/savings. Interest rates may vary depending on your plan and over time. Interest earned is taxable under Spanish law. Interest is accrued daily and paid into your Instant Savings account on the first day of each month.
**Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction. Service of reception and transmission of orders of digital assets provided by N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v).
***All investments carry a risk of loss of principal. Equities and ETFs can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities and ETFs). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of N26 Bank SE. The N26 broker service is provided via the N26 app in partnership with and through Upvest Securities GmbH.
The numbers of available Stocks and ETFs can vary per market.
Trading stocks and ETFs with N26 is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
FAQ
Yes! We’re a digital bank with a full German banking license and millions of customers across 24 countries.
By law, the funds in your account are protected up to €100,000 through the German Deposit Protection Scheme. We’re fully hosted in the cloud and use artificial intelligence to fight financial crime and card fraud. We also secure every transaction with passcodes and Face ID or Touch ID technology, as well as confirm every customer’s identity when opening an account. Learn more about our security here.
You’ll need government-issued ID, for example, a passport. You'll also need a smartphone to use your account, and must be a resident of a country we operate in.
The N26 Standard bank account is free and there are no opening or maintenance fees. N26 Smart costs €4.90 per month, N26 Go costs €9.90 per month, and N26 Metal is €16.90 per month. No deposit or minimum income is required to open an account.
Free up cash in seconds with N26 Installments. Paid for something in the last four weeks that costs between €20 up to €3000? Split eligible purchases into three to six monthly deferred payments, and pay them back over time with an effective annual interest rate of 8.99% to 10.49%, depending on your internal credit score. We'll put the money into your account straight away, and we'll take the first installment one month later. Unlike credit cards, there’s no need to fill out long application forms or even provide extra documents - N26 Installment loans are pre-approved for eligible customers,