Grow your money
Earn interest on your savings — calculated daily and paid out monthly.
100% flexible
No need to lock your money away. Deposit and withdraw any amount, whenever you want.
No deposit limits2
Add as much money as you like and earn interest on every cent.
Your money is protected
The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Looking for a higher yield?
Discover our flexible cash fund and earn up to 2.23% p.a.2 Start from €1 and access your invested money anytime.
Investing involves risk of financial loss.
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 11/06/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results.
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1 N26 Instant Savings account interest rates are based on your main N26 plan: from 11/06/2025 onwards, 0.25% p.a. for Standard and Smart, 0.55% p.a. for N26 Go, and 1.50% p.a. for Metal (before taxes). Please note that rates per plan can be changed by N26 over time. Interest is taxable and subject to social security contributions.
2 The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Service offered by N26 Bank SE, Succursale France, 17-21 rue Saint Fiacre, 75002 Paris, France, registered in the Paris Trade and Companies Register under No. 840 460 943 - French branch of N26 Bank SE.
Make sure you meet the N26 Instant Savings eligibility requirements — check our FAQs for more information.
3 The variable annual return rate shown 2.23% is presented net of fees and reflects information provided by the fund manager, Fidelity International, as of 11/06/2026. 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.
Frequently Asked Questions
- Whether you have a free N26 account or a premium one, you can find Instant Savings in the Finances tab of your N26 app. If you’re an eligible N26 customer but can’t see the Instant Savings option, please make sure that you have the latest version of the app. If you don't see Instant Savings in your "Finances" tab, you might not meet some of the eligibility criteria.
- We're working hard to make sure all eligible customers can use Instant Savings as soon as possible. Make sure you have the latest version of the N26 app.
- N26 Instant Savings is available to all eligible customers — new and existing : to create an interest-bearing deposit account, customers need to have a personal N26 bank account associated with a French IBAN and French T&Cs, with a legal address in France. At the moment, only customers with a personal N26 bank account are eligible to open an Instant Savings account.
- No. First, you’ll need to open an N26 bank account and select your membership — Standard, Smart, N26 Go, or Metal. Then you may open a second separate N26 Instant Savings account right in your N26 app (depending on your eligibility). The interest rate earned on the funds held in this separate savings account will vary based on your chosen membership.
- No, the interest-bearing deposit account is available to all eligible customers — new and existing.
- The interest you earn is paid out automatically into your interest-bearing deposit account on the first day of the following month. You’ll see separate transactions: the deposit of the gross interest into your account and the deduction of the taxes that are withheld from the interest you earned.
- Yes, N26 may change your interest rate. If we change your interest rate, we’ll send you a notification about the change and it will take effect immediately.
- Yes. Deposits held at N26 are protected up to 100.000€ by the German Deposit Protection Scheme. The Deposit Protection Scheme guarantees the sum of all amounts deposited at N26 up to 100,000 Euros. This includes all deposits held with N26 across various accounts (main deposit account, interest-bearing account, etc.).
- If you move, make sure you update your address in the N26 app as soon as possible to continue to receive all the relevant communications regarding your interest-bearing deposit account. Simply go to the Home screen, select your Profile in the top-right corner, and then select Personal details.
- In France, income from financial investments is subject to taxation. This includes the interest you earn on your interest-bearing deposit account. N26 will automatically withhold this tax on any interest you earn on your interest-bearing deposit account and pay it to the French tax authorities for you.
- No, you'll need to move money from your interest-bearing deposit account to your main account first.
- An interest-bearing deposit account is a flexible account that allows you to earn interest on your deposits, with no commitment and no fixed-term length of deposit. This means you can deposit and withdraw money at any time without having to pay a penalty for early withdrawals. With a fixed-term savings account, you have to lock your money away for a certain period of time — usually, at least one year. If you decide to withdraw money from a fixed-term savings account during this period, you won’t get the earned interest and may have to pay a fee, depending on the T&Cs.
- At N26, each customer can have one Instant Savings account.
- Your main account is a checking account used for everyday transactions and payments, but the money in it doesn't earn interest. Your N26 Instant Savings account allows you to earn interest on the money you deposit into it, but it can't be used for everyday payments or be linked to a card.
- In order to be eligible for Instant Savings, you need to have a French IBAN, and French T&Cs. If your N26 account is associated with a German IBAN, you will need to perform the switch and get a French IBAN first when you are invited to do so. The process is easy and fast, all in your N26 app, under the section “My account”.