Budgeting with N26—helping you manage and save your money

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Instant push-notification—you don’t wanna miss a thing

Thanks to the N26 app’s push-notifications, you’ll always be in the know of where your money is going. Receive push-notifications immediately after all transactions, including card and mobile payments, ATM withdrawals, direct debits and transfers.
Open online bank account
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Spending limits—you’ve got the power

Set daily spending limits, lock or unlock your card and reset your PIN anywhere in the world, 24/7 and directly from the N26 app. After all, you’re in control and it’s you that decides how much you spend, and what you spend your money on.

Master your spending with Insights

Ready for a simple and quick view of your finances? Meet N26 Insights, the intelligent feature in your N26 app that automatically categorizes your payments in real time. Instantly see if you’re spending more than usual on ‘Shopping,’ ‘Bars & Restaurants,’ ‘Groceries,’ and more—all it takes is a quick glance to stay on track with your monthly budget. Plus, with a clear overview of your upcoming regular payments, it’s never been easier to plan ahead and stay on top of your finances.

Spaces—the starting point to budget all your plans

N26 Spaces lets you create sub-accounts that allow you to easily budget and save money. These sit alongside your main N26 account, letting you transfer money between them instantly, budget wisely and put funds aside by separating your savings from expenses.
Spaces—the starting point to budget all your plans.

Budgeting your ideas: one space to rule them all

You can name your space after its purpose so you feel the motivation needed to save for it. Here’s how to get started:
  1. Go to Spaces in the navigation bar at the bottom of the screen
  2. Select “Create a new space” and give it a name
Discover Spaces
Budgeting your ideas: one space to rule them all.

Make the most out of your money

Whether you want to set money aside for a rainy day, better understand your expenses, or take your finances to the next level, our budgeting calculators can help. Try our monthly budget calculator to better understand your money. Or, use our 50/30/20 calculator to categorize your income in a way that fits your life.
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Buy together, save together—Shared Spaces

Shared spaces are a smart way to budget with other people. Easily share the rent, pay bills, or even just create a shared piggy bank for saving with your partner without the need to open a joint account. Each participant can transfer money between the shared space and their own N26 account, and keep track of all transaction activities and progress.
Buy together, save together—Shared Spaces.

Make your space at home

Any N26 customer can be invited to participate in a shared space. However, only N26 premium account holders with either N26 Smart, You or Metal can be the owner of a new shared space. Budgeting with friends and family has never been so simple! Once you’ve created a new space, tap the “+” button in the top right corner to share it with up to 10 people.
Discover Shared Spaces

Rules for Spaces—rule your budgeting

You can set rules for each space, allowing you to create standing orders within your spaces. This makes budgeting even faster. It works like a normal standing order but—instead of between two different accounts—you move your money between your spaces and your main account. You can create up to 10 rules for each space.

Set up a rule, then move on

You only need to set up a rule once, and then the app does the rest of the work for you. Your money will be moved automatically on set dates, making budgeting easier:
  1. Select a space and tap on the 3 dots
  2. Choose “Create a new rule”
  3. Tap “Repeat this transfer” and choose the frequency.
Discover Rules


  • What is budgeting?
  • Why is budgeting important?
  • How can N26 help me with my personal finances?
  • What are Spaces accounts?
  • How many spaces can I create?
  • What is Shared Spaces?
  • What is the difference between a joint bank account and N26 Shared Spaces?
  • What is the 50/30/20 rule?

Budgeting Tips from N26

kid showing the coins placed in a glass jar.

How to save money fast: 17 tips to grow your savings

Whether your financial goals are big or small, these life hacks will help you save money faster.

a person thinking of her personal financial planning.

Personal financial planning—tips on setting yourself up for the future

The best way to safeguard your future? Start personal financial planning today. Read on to learn how.

Phone screen with apps.

9 budgeting apps to help your money go further

We’ve compiled a list of the best budgeting apps for iPhone and Android. Use these apps to build a budget that makes saving simpler and more rewarding.