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N26 launches new Flexible Cash Fund, expanding its investment offering

N26 today introduced the new Flexible Cash Fund, an investment product designed for customers seeking potential yield opportunities with limited risk and simple, flexible access. The launch further expands N26’s investment suite by offering access to Money Market Funds, complementing N26 Stocks & ETFs and N26 Crypto, and enabling customers to diversify their portfolios directly within the app. Key features include:
  • A variable market-aligned yield with an average target return of up to 2.1%* p.a.
  • Low barriers to entry, starting from €1 in deposits
  • High flexibility, with deposits and withdrawals possible at any time with no transaction fees or restrictions
  • Diversified exposure to short-term, high-quality money market instruments
  • Daily accrual of value with transparent portfolio development
The Flexible Cash Fund will be available at launch to both new and existing N26 Metal customers in Austria, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Latvia, Lithuania, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia and Spain with a personal N26 account. About the N26 Flexible Cash Fund and its risks The Flexible Cash Fund is a regulated investment in a Money Market Fund (MMF) managed by Fidelity International. Unlike a traditional cash deposit, it is invested in short-term, high-quality instruments that are subject to market fluctuations*. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. While designed for stability, the Flexible Cash Fund is not a guaranteed investment. Projected yield is variable and not guaranteed, and the risk of loss of principal is to be borne by the investor. The variable annual return rate shown (2.1%) is presented net of fees and reflects information provided by the fund manager, Fidelity International, as of 14 May 2026. This rate is subject to change on a daily basis based on market conditions, and past performance is not a reliable indicator of future results. Daily interest will always be reflected transparently in the customer’s portfolio development. While N26 does not charge transaction fees, standard fund management costs may apply within the fund itself. Proceeds from sales may take up to 2 business days to be reflected in a customer’s account. Disclaimer footnote: *The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share. The statements in this communication are purely informational and do not constitute financial advice.
About N26 N26 is a leading European digital bank operating with a German banking license. Built on a foundation of technology, transparency and trust, the company provides simple, secure, and digital-native banking to millions of customers across 24 markets. Headquartered in Berlin with a strategic presence in major European hubs including Vienna, Paris, Milan, Madrid and Barcelona, the company is powered by a diverse 1,600-strong team representing over 90 nationalities. The company is committed to empowering its customers with financial confidence and control, delivering a best-in-class banking experience designed for the modern era. Website: n26.com | N26 Press Contact: press@n26.com