The flexible way to grow your money

EasyFlex Savings

Earn competitive daily interest on your savings without locking it away.

Save flexibly

It pays to save with EasyFlex Savings. Maximize your money with attractive daily interest from our partner bank, and easily access your funds whenever you need.

Earn daily interest

Deposit your savings at our partner bank and earn daily interest at competitive rates. Your interest is paid every 3 months—keep it stashed in your EasyFlex Savings to build up even more interest.

Access at any time

Get quick access to your funds in just 2 working days when you withdraw money from EasyFlex Savings. And with no minimum deposit periods, you’re in charge of how long you save.

Initial deposit of €500

Deposit a minimum of €500 to open your EasyFlex Savings, then add money or withdraw from your savings as often as you like.

Pay nothing to earn more

EasyFlex Savings is free of charge, so you can wave goodbye to hidden fees or extra costs.

All your finances in one app

Withdraw or transfer money to your EasyFlex Savings in just a few taps, and check your balance or view your transactions from anywhere, at any time. With EasyFlex Savings seamlessly integrated into your N26 app, you’re always 100% in control.

EasyFlex Savings Interface.

Your money is protected

The applicable Deposit Guarantee Scheme protects your funds up to €100,000.

How do I open my EasyFlex Savings account?

  1. Open the Explore tab in your N26 app and select EasyFlex Savings
  2. Follow the in-app instructions to complete your registration application
  3. Confirm your T&Cs to make it official—that’s it!

Opening your EasyFlex Savings requires a minimum initial deposit of €500, and can take up to 5 business days while your account is set up by our partner bank. We’ll notify you when it’s ready to use—in the meantime, try out the Interest Calculator in your N26 app to see how much interest you’ll earn.

Transparent N26 Standard card.
N26 You card, Petrol.

Start growing your savings today

Open your N26 EasyFlex Savings account directly from your smartphone with zero paperwork. Make your first deposit, then watch your savings grow day-by-day. Don’t have an N26 account yet? Sign up online in just 8 minutes, and discover 100% mobile banking that offers everything you need to save, budget, and spend your way—all in one app.

FAQs

What is EasyFlex Savings?

EasyFlex Savings is an easy-access savings account that allows you to earn competitive daily interest on your savings without locking your funds away. It’s a flexible way to grow your savings because there’s no minimum lock-in period—so you have complete freedom to save your way. To open your EasyFlex Savings account, your first opening deposit must be a minimum of €500.

How does the EasyFlex Savings account work?

Once you’ve opened your EasyFlex Savings account, you can easily add and withdraw funds between your main N26 bank account and your EasyFlex Savings account. You’ll earn competitive daily interest on the funds in your EasyFlex Savings account, which is paid out quarterly to your EasyFlex Savings account.

How can I open an EasyFlex Savings account?

Simply open your N26 app, then tap on EasyFlex Savings in the Explore tab. Follow the steps to provide your information for our EasyFlex Savings account partners, Raisin and Komplett Bank. Once you’ve read and signed the T&Cs, we’ll get your EasyFlex Savings account set up and notify you once you’re ready to make your first initial deposit of minimum €500. Please note that this process can take up to 5 working days.

Am I eligible for an EasyFlex Savings account?

EasyFlex Savings is currently only available to customers who have their legal address registered in Germany, their app language set to either English or German and who didn't use a residence permit for opening their account. You’re eligible for an EasyFlex Savings account if N26 has verified your identity within the past 24 months. If we verified your identity more than 24 months ago, no stress—we’re currently working on a process that will allow you to renew your identity verification.

At this time, we’re unfortunately unable to offer EasyFlex Savings accounts to US nationals.

Is my money safe in an EasyFlex Savings account?

Yes, your money is protected. Under EU law, the applicable Deposit Guarantee Scheme protects your funds up to €100,000.

Why isn't this directly offered by N26?

By partnering with Raisin and the partner bank, N26 is able to offer you a more attractive savings account with a higher competitive interest rate.

Is the interest rate fixed?

No. Your interest rate may vary, depending on the partner bank. We always strive to be transparent and offer you the most competitive rates, so we’ll be sure to let you know if your interest rate changes at any time.

Who is the partner bank?

The Norwegian bank Komplett is our current partner bank for the EasyFlex Savings account.

Can I access my money whenever I want?

Yes. Please note that it can take up to 2 business days for your EasyFlex Savings withdrawal to appear in your N26 bank account.