N26 Instant Savings account
Earn up to 3% interest* on your money
What is N26 Instant Savings?
Saving just got more rewarding
Interest paid monthly
Earn up to 3%* interest p.a. — calculated daily and paid out monthly to grow your balance automatically.
100% flexibility
No need to lock your money away. Deposit and withdraw any amount, anytime, in seconds.
No extra fees
Open your N26 Instant Savings account with just a few taps in the N26 app — at no extra cost.
No deposit limits**
Add as much money as you like and earn interest on your total savings balance. The sky’s the limit**.
N26 accounts — Your money deserves an upgrade
N26 Metal
The premium account with a metal card
€16.90/month
3% annual gross interest with Instant Savings
Up to 8 free domestic ATM withdrawals
Exclusive mobile phone coverage
N26 You
The all-in-one account for banking and travel
€9.90/month
1.3% annual gross interest with Instant Savings
Up to 5 free domestic ATM withdrawals
Flight and luggage delay cover
N26 Standard
Le compte bancaire en ligne gratuit pour vos besoins du quotidien
€0.00/month
1% annual gross interest with Instant Savings
Up to 3 free domestic ATM withdrawals
Free payments worldwide
Get more with N26 Metal
Interest Calculator
N26 Instant Savings
Use our interest calculator to see how your money can grow over time with N26.
Enter a balance, your plan’s interest rate, and a time period:
New balance
€10,300.00
Gross interest
€300.00
Start earning interest
Your money is protected
Automate? Great.
Frequently Asked Questions
- Where can I find Instant Savings in my N26 app?
- My N26 app says Instant Savings is ‘coming soon’. When will it be available?
- Who's eligible for N26 Instant Savings?
- As a new customer, can I open only an N26 savings account, without opening an N26 bank account?
- Is an N26 Instant Savings account only available to new customers?
- How much interest do I earn?
- How is my interest calculated?
- When and how is my interest paid?
- Can N26 change the interest rate?
- What happens if I change my membership tier?
- Are my deposits protected?
- What happens if I change my residency address?
- Do I need to pay taxes on my earned interest?
- Can I transfer money directly from my interest-bearing deposit account?
- Can I add deposits to my interest-bearing savings account or withdraw money whenever I want ? Is there a limit on the amount I can deposit ?
- What is an interest-bearing deposit account and what is the difference with a fixed-term savings account ?
- How many interest-bearing deposit accounts can I have?
- What’s the difference between my N26 Instant Savings account and my main account?
- I have a German IBAN. What should I do to be able to open an N26 Instant Savings account ?