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
Bank for free — with no hidden fees
Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Celebrate every money moment
The limited-edition Confetti card is designed to make all your money moments with N26 feel like a celebration.*
Score free virtual cards
Kick-off starts here! Bring the stadium energy straight to your wallet — only until July 20.**
Make your money work harder
Open a new N26 Metal account and earn 1.30% AER1 with Instant Savings.Looking for a higher yield? Discover our flexible cash fund and earn up to 2.31% p.a.2 Capital at risk.
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 25/06/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results.
Bank and invest in one app
Invest in 5,000+ stocks, ETFs, ready-made funds, and more3 — without switching apps.Start from €1 and invest regularly by setting up a savings plan for free. Capital at risk.
The card made for travel
Get cashback4 on travel, the best exchange rates, and airport lounge access. Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with N26 Go and Metal.
The mobile plan you’ll love
Get unlimited data, calls, and SMS in Spain. Bring your number with you and pay just €9.99 a month for your first year.5
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 Metal Instant Savings account from 0 euros and without limit of amount.
*The Confetti Card is a limited-edition design option for your physical N26 Mastercard, available from 26.06.2026 until 31.12.2026 or while stocks last. Physical N26 Mastercards are available according to your N26 plan (Standard, Smart, Go, or Metal) and are subject to the applicable T&Cs and Price List.
**The new limited-edition virtual cards can be activated at no extra cost. Up to six virtual cards can be activated at one time. Football virtual cards are only available from June 11 until July 20, 2026.
1 Interest is settled monthly and applies to any amount deposited in the Instant Savings account, with no maximum limit. Under the current 1.30% AER (1.50% annual NIR) with N26 Metal (annual cost of the subscription of 202,8 euros), maintaining a daily balance of €100,000 in an N26 Metal Instant Savings account for 12 months would generate €1,500 in gross interest. With 0.50% AER (0.50% NIR) with N26 Go, 0.50% AER (0.50% NIR) with N26 Smart, and 0.50% AER (0.50% NIR) with Standard, maintaining a daily balance of €100,000 for 12 months would generate €500 in gross interest.
2 The variable annual return rate shown (2.31%) 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.
3 Buying and selling stocks, ETFs, and ETCs through the N26 app costs €0.90 per transaction. N26 Go customers receive 3 free trades per month, while N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments 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. Past performance is not a reliable indicator of future results.
A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market.
The reception and transmission service for stocks, ETFs, and other assets is provided by N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody).
4 Eligible spending: Detailed T&Cs for customers who sign up before July 17 and after October 15 can be found here: https://n26.com/hb-ex
5 All Spanish customers who activate their mobile plan by July 31, 2026 will enjoy a discounted price of €9.99 per month for the first 12 months of use. After the promotional period ends, the standard plan price of €11.99 will automatically apply.
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Trading is more than a buzzword or an ‘80s throwback. This article covers what financial trading is and how it works, step by step.- N26 operates with a full European banking license, which protects deposits up to €100,000 under EU law. We currently operate in 24 markets worldwide and have over 8 million customers.
- N26 operates with a full European banking license, which protects your money up to €100,000 under EU law. With features like 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, we make your security our top priority.
- As a bank, N26 is supervised by the Financial Markets Regulator and meets all European regulatory requirements. Our clients' funds are guaranteed up to €100,000 by the Deposit Protection Fund. In addition, the N26 app has many features to ensure the security of its users' bank accounts and data.
- All N26 accounts opened after April 17, 2019 have a Spanish IBAN. This means that, in addition to using your account to withdraw money or make card payments, you can also use it to deposit your salary, direct debits or to manage your daily expenses from the app. Enjoy all the advantages of a 100% mobile account with a Spanish IBAN.
- To open an N26 bank account, you must meet the eligibility criteria and an official identity document accepted in the country where you live. If you do, you can simply register via the N26 WebApp on desktop or the N26 app on your smartphone. It only takes a few minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified.
- N26 Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. N26 Smart, N26 Go, and Metal premium accounts cost a monthly fee. Visit our website for more information and to compare accounts.
- You can easily switch your bank account to N26 from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.
- 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.