Terms and Conditions “Invest Back Campaign”

(“Promotion Terms”) (Date: 12.12.2025)

1. Content of the promotion campaign

1.1 Users who fulfill the requirements of these Terms and Conditions of the “invested back” campaign (“Promotion Terms”) and also all requirements set out in the N26 Broker Service User Documents may participate in the “invested back” campaign, as defined below (“Promotion Campaign”). The Promotion Campaign is only accessible to N26 Users, who are eligible to the N26 Broker Service as specified in section 3 below. 1.2 Subject to fulfillment of the requirements entailed in these Promotion Terms eligible Users, as defined in Section 3., may receive randomly selected securities, i.e. fractional securities equal to the Euro denominated value as determined in the Annex to these Promotion Terms. This Euro denominated value differs per country. The main condition to receive the security is that the User spends a certain minimum amount with their physical or virtual N26 Maestro or Debit card (“Card Transactions”) in the period from December 15, 2025 to January 31, 2026 (“Campaign Period”). The minimum amount in Card Transactions is determined in the Annex to these Promotion Terms and differs per country. Only Card Transactions that are validly debited from the User´s N26 current account, i.e. in particular confirmed by a merchant can be recognised. The following transactions are not Card Transactions and are therefore not taken into account: Expenditures made by means of bank transfers, the Moneybeam feature or internal transfers to sub-accounts or Spaces, ATM withdrawals, transactions to credit accounts (e.g. account top-ups at other banks), betting and casino gambling transactions, cash-like (quasi-cash) transactions such as money or cryptocurrency purchases, and purchases via third-party payment providers such as PayPal. 1.3 Upon successful registration in the Promotion Campaign feature in the User Interface and fulfillment of all conditions pursuant to these Promotion Terms, the User instructs N26 to forward a Purchase Order in the amount as determined in the Annex to these Promotion Terms at the end of the Campaign Period to Upvest for execution. There is no fee for the Purchase Order. N26 settles Upvest´s claim for reimbursement of expenses against the User. N26 will also settle any other payment obligations. 1.4 The execution of the User´s Purchase Order and allocation of the fractional security to the User´s Securities Account with Upvest will take place in a reasonable time after the end of the campaign.

2. Determination of the fractional security

N26 does not directly select the security. The selection is made by means of a random generator. The selection is based on the securities of the 10 companies with the highest market capitalization, which are accessible in the user interface of the N26 Broker Service. The relevant date for determining the 10 companies with the highest market capitalization is December 5, 2025.

3. Eligibility and restrictions

3.1 Only new Users, i.e. Users who are not users of an N26 bank account, are eligible to participate. The decisive factor for treatment as a new User is the successful opening of a N26 bank account, including previous completion of the verification process. Accordingly, a new User is only a person who did not successfully open a N26 bank account before December 15, 2025, 0:00 a.m. Furthermore, the promotion is available to customers with their residence in Ireland, Belgium, Netherlands, Greece, Portugal, Luxembourg, Estonia, Finland, Slovakia, Slovenia, Lithuania, Latvia, Poland, Switzerland Sweden, Norway, Denmark, Iceland, and Liechtenstein. 3.2 Furthermore, only Users who have opened an User Account for the N26 Broker Service, as defined in Section 4.5 of the General Terms and Conditions N26 Broker Service are eligible for the Promotion Campaign. 3.3 Moreover, eligibility is restricted to signing up pursuant to section 3.1 and 3.2 between December 15, 2025, 0:00 a.m and January 6, 2026 0:00 p.m. 3.4 A User who does not meet all the requirements of the User Documents N26 Broker Service will also be subsequently excluded from participation. This includes, in particular, failure to meet the requirements set out in Section 11. of the General Terms and Conditions N26 Broker service which entitle N26 to block the Broker Service. 3.5 The User acknowledges and accepts that there is no guarantee that the verification and registration process for opening the N26 current account and the User Account for the N26 Broker Service will be successfully completed, even if all requested information has been provided. The reasons for this may include legal restrictions. 3.6 Subject to fulfillment of eligibility requirements Card Transactions are respected for the Campaign Period, i.e. also retroactively if the User fulfills eligibility requirements after the beginning of the Campaign Period.

4. Registration for the Promotion Campaign

4.1 In order to participate in the Promotion Campaign, the User must register for it in the User Interface. By clicking the corresponding button in the Promotion Campaign feature, the User sends a registration request to N26 and accepts these Promotion Terms. The registration request is accepted by N26 at the latest when the Purchase Order is confirmed. 4.2 The User has no legal claim to acceptance of the registration request by N26.

5. Instruction of the User

5.1 By pressing the corresponding button in the Promotion Campaign feature, the User instructs N26 to forward a Purchase Order for the fractional security determined in accordance with Section 2 of these Promotion Terms to Upvest for execution after the end of the Campaign Period. 5.2 N26 is entitled not to forward the Purchase Order to Upvest for execution if the User Account for the N26 Broker Service is terminated by N26 or by the User before February 28, 2026, 23:59 hours. N26 is also entitled not to forward the buy order to Upvest for execution if there is a reason according to the N26 Brokerservice user documents, such as in particular a reason according to Section 11. of the General Terms and Conditions N26 Broker Service or a suspension of trading in the security concerned. The Card Transactions during the Campaign Period will not be taken into account in the aforementioned cases. The User shall then have no other claim to consideration or payment of his Card Transactions.

6. No advisory services

N26 does not provide investment advice, investment recommendations or any other advisory services related to the Promotion Campaign. Content that N26 makes available to the User in the Promotion Campaign feature or in other information is not to be understood in such a way that the security, determined in accordance with Section 2. of these Promotion Terms represents a suitable investment for the User. In particular, the determination process of the security as such is not to be understood in such a way that the security represents a suitable investment. The content provided is expressly intended only to provide general information about the Promotion Campaign.

7. Termination

N26 is entitled to terminate the Promotion Campaign prematurely for good cause and hereinafter to terminate the contract between the User and N26 based on these Promotion Terms. In this case, N26 will not forward any Purchase Orders to Upvest. The User shall then have no other claim to consideration or payment of his Card Transactions.

8. User´s tax obligations

Income from securities, such as dividends, is generally taxable. The same applies to gains from the sale of securities. When paying out income or gains from the sale of securities the User may be subject to capital gains and/or other taxes, which are paid to the relevant tax authority. In principle, the User is responsible for the careful management of his own tax affairs. N26 is not responsible for any tax matters in relation with the User´s securities or in any other way relating to the Promotion Campaign. In particular, N26 is not responsible for collecting the User´s taxes and paying them to the financial/tax authorities or otherwise managing the User´s tax affairs. The User shall obtain further information from the financial/tax authority or his tax advisor.

9. Annex

The amount of Card Transactions and value of securities/fractional securities differ per country. The following numbers apply per country: Country: Ireland, Belgium, Netherlands, Greece, Portugal, Luxembourg, Estonia, Finland, Slovakia, Slovenia, Lithuania, Latvia
Amount of Card Transactions: 100.00 Euro
Value of securities/fractional securities: 50.00 Euro Country: Poland, Switzerland Sweden, Norway, Denmark, Iceland, Liechtenstein
Amount of Card Transactions: 50.00 Euro
Value of securities/fractional securities: 30.00 Euro