Closing the gap, one investor at a time

Women invest less, and it’s costing us. Costing us options, security, and power. We think it’s time that changed, and we’d like to take the first small step towards that. Starting is often the hardest part — so we’re giving every woman a 10% boost on her first trade — up to €30.
Become an investor

Get a 10% investment boost

Make your first stock and ETF trade before March 31 and we’ll add an automatic 10% on top — up to €30.

Trade stocks and ETFs for free

Buy and sell over 4,000 stocks and ETFs with no transaction fees*, right in your banking app.
Discover stocks and ETFs

Automate your portfolio

Create a free investment plan and automatically invest in stocks, ETFs, or crypto on a regular basis.

Bank, save, and invest — all in one app

Bank for free without hidden fees, earn up to 2.5%** p.a. on your savings, and seamlessly invest alongside everyday banking.
Open Bank Account

Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Become an investor

.*These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as stocks and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and ETFs can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values shown are fictional and for illustrative purposes. 

Trading stocks and ETFs with N26 is fee-free. Fund issuers may charge their own ETF management fees directly. Asset prices as displayed in the N26 App apply. **Valid only for new customers who open a new N26 Metal account from 19/02/2025 onwards. Deposits made into Instant Savings earn interest at an annual gross nominal rate of 2.5%, which is currently aligned with the European Central Bank deposit facility rate (starting on 12/03/2025). This interest rate may be subject to change at any time at N26's discretion, regardless of fluctuations in the ECB rate. Interest is taxable and subject to social security contributions. Terms and conditions of the Instant Savings apply. Reserved for non-Business customers of N26 Bank SE, Succursale France. For existing customers: Deposits into N26 Instant Savings accounts earn interest at an annual gross nominal rate of 2% with N26 Metal, 0.8% with N26 You, and 0.5% with N26 Smart and N26 Standard, from 12/03/2025 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.

    N26 offers over 1500 ETFs in a variety of categories, including those tracking MSCI World or the S&P 500. We’ll continue to offer more ETFs as time goes on.

    N26 offers over 1400 stocks in a variety of categories. We’ll continue to offer more stocks as time goes on.

    Stocks and ETFs made available are traded on the stock market just like individual stocks. The prices are constantly changing, and N26 has no control over the profits or losses in your portfolio. Your deposits at N26 are protected up to €100,000 by the German Deposit Protection Scheme. In addition, our partner Upvest Securities GmbH is a member of the Investor Compensation Scheme that protects 90% of liabilities arising from investment business, limited to the equivalent of €20,000.

    All investments carry a risk of capital loss. Stocks and ETFs can be subject to high fluctuations in value. The invested amounts are not guaranteed, and a total loss of your investment is possible at any time. Past performance is not a reliable indicator of future performance. Diversification can reduce risks by spreading out investments across different financial assets rather than concentrating it all in one asset.Ensure you have sufficient knowledge before making any transactions.

    Every investment strategy is different, so there’s no governing principle on how to choose the right stock or ETF. In the N26 app, you’ll find detailed information on each stock and ETF we have on offer. Plus, our blog features helpful articles on learning how to invest in stocks and ETFs.

    What you pay for an ETF is known as the “market price” — which is determined based on how many people want to buy or sell that ETF at a given time. The market price should be closely aligned with an ETF’s net asset value (NAV). This figure is calculated daily by adding up all the ETF’s assets and cash holdings, subtracting any liabilities, and then dividing by the number of outstanding shares. This may sound confusing, but the point of NAV is to serve as a reference point for people interested in purchasing shares of the ETF, ensuring that they’re paying a fair price. To get more granular, investors may also reference the ETF’s intraday net asset value iNAV, which is measured throughout the day to keep up with price fluctuations. This figure is a more accurate measure to compare with the market value of the ETF you’re looking to buy, but it may not directly reflect the price you actually pay, as that figure may rise or fall depending on how high or low demand is.

    A share price is the price of a single share of a number of saleable equity shares of a company. In simple terms, the stock price is the highest amount someone is willing to pay for the stock, or the lowest amount that it can be bought for.

    N26 now offers unlimited commission-free trades for stocks and ETFs for all memberships. That means that, for every purchase or sale of a stock or ETF with N26, you’ll only pay the specific ETF management fee, if applicable.

    Profits and dividends from stocks and ETFs are taxable in France — generally, at a flat rate of 30% (Single Fixed Levy, PFU), which includes income tax (12.8%) and social levies (17.2%). You can opt for the progressive income tax scale instead. N26 does not withhold taxes on your behalf in France, so make sure you include it in your annual tax declaration. More information on taxes can be found in our Support Center Article.

    Absolutely. Our selection of stocks and ETFs will continue to expand across categories. Stay tuned!

    At the moment, stocks and ETFs are only available to eligible N26 customers in Germany, Austria, France, Ireland, and the Netherlands. In the coming months, we'll expand this offer to different countries — so check for email updates or follow us on social media.

    This feature isn't available yet, but we’re working to make it possible soon.

    Stocks and ETFs are offered in France by N26 Bank AG to all eligible customers holding a French IBAN, in partnership with Upvest Securities GmbH, an investment service provider based in Germany. N26 provides a service for the reception and transmission of orders to Upvest, which is responsible for executing the orders on the market and for custody. For more information about the details of the service and the counterparties, please read our Support Center Article.