The bank account built for better control
Master your money with intelligent tools and a card to match your style.
1 N26 Smart, Go, and Metal customers get up to six free virtual cards. N26 Standard customers get one free virtual card; extras are €2.59 each. The physical Mastercard is included in the €4.90 monthly plan fee.
2 Interest rates vary by plan and are subject to change at any time. Learn more here. The product Instant savings is reserved for non business customers of N26 Bank SE, French Branch, with a French IBAN. DE IBAN customers are excluded.
Deposits into N26 Instant Savings accounts earn interest at an annual gross nominal rate of 1.50% with N26 Metal, 0.55% with N26 Go, and 0.25% with N26 Smart and N26 Standard from 11/06/2025 onwards. These may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank SE, Succursale France.
The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
3 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. 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.
4 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 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.