FAQ Page

Question 1

Which ETFs can I buy at N26?

Accepted Answer

N26 offers over 250 ETFs in a variety of categories, including those tracking MSCI World or the S&P 500. We’ll continue to offer more ETFs as time goes on.

Question 2

Which stocks can I buy at N26?

Accepted Answer

N26 offers over 500 stocks in a variety of categories. We’ll continue to offer more stocks as time goes on.

Question 3

Is it safe to buy stocks and ETFs with N26?

Accepted Answer

Your purchases, sales, and portfolio with N26 are protected and secured. However, because stocks and ETFs include a wide range of securities that fluctuate with the market, we cannot guarantee returns or prevent losses.

Question 4

Is my investment secure?

Accepted Answer

Stocks and ETFs are a basket of securities, and are traded on the stock market just like individual stocks. This means that prices fluctuate all the time, and N26 has no influence on the wins or losses in your portfolio. Diversification can reduce risks by spreading out investments across different financial assets rather than concentrating it all in one asset. Your deposits at N26 are protected up to €100,000 by the German Deposit Protection Scheme. The Investor Compensation Scheme protects 90% of liabilities arising from investment business, limited to the equivalent of €20,000.

Question 5

How do I choose the right stock or ETF?

Accepted Answer

Every investment strategy is different, so there’s no governing principle on how to choose the right stock or ETF. In the N26 app, you’ll find detailed information on each stock and ETF we have on offer. Plus, our blog features helpful articles on investing in stocks and ETFs.

Question 6

How are ETF prices determined?

Accepted Answer

What you pay for an ETF is known as the “market price” — which is determined based on how many people want to buy or sell that ETF at a given time. The market price should be closely aligned with an ETF’s net asset value (NAV). This figure is calculated daily by adding up all the ETF’s assets and cash holdings, subtracting any liabilities, and then dividing by the number of outstanding shares. This may sound confusing, but the point of NAV is to serve as a reference point for people interested in purchasing shares of the ETF, ensuring that they’re paying a fair price.

To get more granular, investors may also reference the ETF’s intraday net asset value iNAV, which is measured throughout the day to keep up with price fluctuations. This figure is a more accurate measure to compare with the market value of the ETF you’re looking to buy, but it may not directly reflect the price you actually pay, as that figure may rise or fall depending on how high or low demand is.

Question 7

How are stock prices determined?

Accepted Answer

A share price is the price of a single share of a number of saleable equity shares of a company. In simple terms, the stock price is the highest amount someone's willing to pay for the stock, or the lowest amount that it can be bought for.

Question 8

How much does it cost to buy, hold, and sell stocks or ETFs at N26?

Accepted Answer

For every trade — meaning every purchase or sale — of a stock or ETF with N26, you’ll pay a fee of €0.90, as well as the specific ETF management fee, if applicable. N26 Metal customers get 15 free trades every month. N26 You customers get 5 free monthly trades.

Question 9

How much tax do I need to pay on my stocks and ETFs?

Accepted Answer

Stocks and ETFs are typically subject to capital gains tax and may also be subject to other taxes. The rules relating to taxation vary by country and are constantly evolving, so do your research and understand the tax implications before making your first trade.

Question 10

Will more stocks and ETFs be available in the future?

Accepted Answer

Absolutely. Our selection of stocks and ETFs will continue to expand across categories. Stay tuned!

Question 11

Why can't I find stocks and ETFs in my app?

Accepted Answer

At the moment, stocks and ETFs are only available to eligible customers in Germany, Austria, France, Ireland, and the Netherlands. In the coming months, we'll expand this offer to different countries — so check for email updates or follow us on social media!

Question 12

Can I transfer stocks and ETFs from my previous broker to N26?

Accepted Answer

This feature isn't available yet, but we’re working to make it possible soon.

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