N26 Instant Savings account
Earn interest on your money
What is N26 Instant Savings?
Saving just got more rewarding
Interest paid monthly
Earn up to 4%* annual gross nominal rate interest — calculated daily and paid out monthly.
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
4% annual gross interest with Instant Savings
Up to 8 free domestic ATM withdrawals
Exclusive mobile phone coverage
N26 You
The debit card for everyday and travel
€9.90/month
2.8% annual gross interest with Instant Savings
Up to 5 free domestic ATM withdrawals
Flight and luggage delay cover
N26 Standard
The free online bank account
€0.00/month
2.26% annual gross interest with Instant Savings
Up to 3 free domestic ATM withdrawals
Free payments worldwide
Interest Calculator
N26 Instant Savings
Use our interest calculator to see how your money can grow over time with N26.
Enter your starting balance and a time period:
New balance
€10,400.00
Gross interest
€400.00
Get more with N26 Metal
Start earning interest
Your money is protected
Automate? Great.
Frequently Asked Questions
- Where can I find Instant Savings in my N26 app?
- Who's eligible for N26 Instant Savings?
- 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 ?