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N26 expands Flexible Cash Fund access to all membership tiers

N26 today announced the expansion of its Flexible Cash Fund, making the investment product available across all N26 membership tiers. The Flexible Cash Fund forms a key part of N26’s investment suite, offering access to Money Market Funds alongside N26 Stocks & ETFs and N26 Crypto, enabling customers to diversify their portfolios directly within the N26 app. The product is designed for customers seeking potential yield opportunities with limited risk alongside simple, flexible access. Key features include:
  • Competitive, market-aligned performance: Maximize cash potential and returns with our flexible cash fund – yielding up to 2.57%* p.a. A fund is not a deposit. The yield is variable and capital is at risk.
  • Tier-wide promotional access: Until 1 January 2027, every membership tier across all markets will receive an introductory yield of up to 2.57%* p.a., matching the Metal tier offer with no N26 service fee applied. Afterwards standard tier-specific N26 service fees will apply.
  • Low barriers to entry: Minimum investment starting from €1.
  • High liquidity: Unlimited deposits and withdrawals available flexibly with no transaction fees or restrictions.
  • Diversified exposure: Direct access to short-term, high-quality money market instruments.
  • Daily valuation & monthly payout: Value accrues daily and is paid out on a monthly basis.
The Flexible Cash Fund is available to both new and existing N26 customers across all membership tiers in Austria, Finland, France, Germany, Ireland, Luxembourg, Netherlands, Portugal, Slovakia, and Spain with a personal N26 account. * About the N26 Flexible Cash Fund and its risks The Flexible Cash Fund is a regulated investment in a Money Market Fund (MMF) managed by Fidelity International. Unlike a traditional cash deposit, it is invested in short-term, high-quality instruments that are subject to market fluctuations.** The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. While designed for stability, the Flexible Cash Fund is not a guaranteed investment. Projected yield is variable and not guaranteed, and the risk of loss of principal is to be borne by the investor. The variable annual return rate shown (2.57%) is presented net of fund fees and reflects information provided by the fund manager, Fidelity International, as of 8 October 2026. This rate is subject to change on a daily basis based on market conditions, and past performance is not a reliable indicator of future results. Daily interest will always be reflected transparently in the customer’s portfolio development. While N26 does not charge transaction fees, service fees and standard fund management costs may apply. After the promotional period, the N26 service fees, calculated on the invested amount, are 0.30% p.a. for Standard, 0.25% p.a. for Smart, and 0,20% p.a. for Go (no N26 service fee applies for Metal). Proceeds from sales may take up to 2 business days to be reflected in a customer’s account. Disclaimer footnote: ** The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share. The statements in this communication are purely informational and do not constitute financial advice. You can find the Key Information Document (KID) here.
About N26N26 is a leading European digital bank operating with a German banking license. Built on a foundation of technology, transparency and trust, the company provides simple, secure, and digital-native banking to millions of customers across 24 markets. Headquartered in Berlin with a strategic presence in major European hubs including Barcelona, Madrid, Milan, Paris and Vienna, the company is powered by a diverse 1,600-strong team representing over 90 nationalities. The company is committed to empowering its customers with financial confidence and control, delivering a best-in-class banking experience designed for the modern era.Website: n26.com | N26 Press Contact: press@n26.com