The free bank account you’ll love

1 N26 Standard includes two free monthly ATM withdrawals.

2 Customer Support specialists available from 11am until 7pm, seven days a week. Our chatbot can help with common questions 24/7.

3 A €10 fee applies for the issuing of the physical Mastercard debit card.

4 N26 Instant Savings account interest rates are based on your main N26 plan: from 11/06/2025 onwards, 0.30% p.a. for Standard and Smart, 0.50% p.a. for N26 Go, and 1.50% p.a. for Metal (before taxes). Please note that rates per plan can be changed by N26 over time. This offer is available at no extra cost in the N26 app in Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.

5 The variable annual return rate shown (2.61%) is presented net of fees and reflects information provided by  the fund manager, Fidelity International, as of 22/10/2026. 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.

6 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 22/10/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results. Starting January 1, 2027, service fees , calculated on the invested amount, will apply based on your N26 plan: 0% for N26 Metal and Aura, 0.20% for Go, 0.25% for Smart, and 0.30% for Standard plans.

7 Investing involves risk of financial loss. Stocks and ETFs: 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.

Crypto: 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).