N26 Instant Savings account
Earn up to 3% interest* on your money
Looking to make your money work for you? Here’s another reason for you — and your money — to love N26. Grow your savings and earn up to 3%* annual gross nominal interest with N26 Metal. Your interest is paid monthly and you can access your funds at any time. N26 Instant Savings is available in France to customers with a personal N26 account with a French IBAN.
To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking.
Deposits at N26 Instant Savings earn interest at an annual gross nominal rate of 3% with N26 Metal, 1.3% with N26 You, and 1% with N26 Smart and N26 Standard, which 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 AG, Succursale France.
What is N26 Instant Savings?
N26 Instant Savings is an interest-bearing deposit account available at no extra cost for eligible N26 customers with a French IBAN in France.The interest on your savings is paid out every month. There are no deposit limits** and you can access your money anytime. Win-win.
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
MORE INTEREST
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 Smart
The bank account that gives you more control
€4.90/month
N26 Standard
Le compte bancaire en ligne gratuit pour vos besoins du quotidien
Virtual Card
€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
N26 Metal customers earn 3%* annual gross nominal interest rate with Instant Savings — our highest interest rate. Our most premium bank account also includes discounted crypto fees, 15 free monthly trades in stocks and ETFs, an extensive insurance package, priority customer support, and a stylish stainless steel debit card.
Discover 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
The calculations above show gross amounts before taxes and social security contributions, and assume that the daily balance in the savings account remains the same during the whole period. If you keep the paid interest in your N26 Instant Savings account, the total gross interest earned during the whole period will be higher. This is because you'll be earning interest on the interest you've already earned in the previous months.
The values shown here are for information purposes only. They do not constitute investment advice.
Start earning interest
Opening N26 Instant Savings is easy. Not a customer yet? Sign up to N26 right from your phone.Once you have your N26 bank account set up, simply head to the ‘Finances’ tab in the N26 app and tap on ‘Instant Savings’ to create your interest-bearing deposit account.
Open Bank Account
Your money is protected
N26 is a fully-licensed bank. That means the money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
See how N26 is simply secure
Automate? Great.
Growing your money is even easier when you automate your savings. With N26 Rules and Goals (available for all customers) or N26 Income Sorter and Round-ups (available for N26 Smart, You, and Metal customers) you can reach your goals faster by automatically moving money between your main account and your interest-bearing deposit account. It’s a great, hands-off way to kickstart your savings.
*Deposits into N26 Instant Savings account earn interest at an annual gross nominal rate of 3% with N26 Metal, 1.3% with N26 You, and 1% with N26 Smart and N26 Standard (as of 1.8.2024). 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 AG, Succursale France.
** 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 AG, 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 AG.
Make sure you meet the N26 Instant Savings eligibility requirements — check our FAQs for more information.
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 ?