Manage money together with N26 Shared Spaces*

Open a premium bank account, and discover Shared Spaces sub-accounts—an easier way to save, put aside funds and share expenses with family and friends.
Shared Spaces Intro.

*Deposits at N26 Instant Savings earn interest at an annual gross nominal rate of 4% with N26 Metal, 2.8% with N26 Smart and N26 You and 2.26% with 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. **The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. ***Currently, the Shared Spaces feature is only available to N26 account holders with a German IBAN (customers in a business relationship with N26 Bank AG). ****Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on ***** Stocks and ETF is currently only available to N26 account holders with a French IBAN (customers in a business relationship with N26 Bank AG, Succursale France).

Saving and budgeting with others, made easy

Managing household bills and everyday expenses, or simply saving up together for that dream purchase? Invite up to 10 participants to your shared sub-account, and enjoy a hassle-free way to organize money with partners, family or friends.

Shared banking with people you trust

Only premium customers can manage money with Shared Spaces. If you’re creating a shared sub-account, just be sure to invite those you know and trust—you’ll be giving them Power of Attorney and full access to the funds within your shared space.

Save your way with Rules and Round-Ups

Customize how you save. Schedule transfers between your main account and your spaces with Rules—just set the amount and frequency, and we’ll take care of the rest. Thanks to Round-Ups, you can also round-up your card purchases to the nearest euro, and stash the difference in a chosen space.

Create up to 10 shared sub-accounts in seconds

Premium customer? It’s easy to get started with Shared Spaces. Head to the Spaces area of your app, create a new space or open an existing one, and tap Add participants. Then, simply invite family and friends with an N26 account to join.
Shared Spaces screen.
n26 standard card.
n26 metal card.
n26 you card.

One space for collective saving and spending

Shared Spaces is a simple, flexible way to manage money with others. Compare our premium plans to open a bank account best suited to you, and start saving and budgeting from your smartphone.

Frequently asked questions

  • What is Shared Spaces?
  • Who owns the money in Shared Spaces?
  • Can I create Shared Spaces with a free N26 account?
  • How do I open a Shared Space?
  • Can you open a Shared Space without the other person being present?
  • How do I remove someone from Shared Spaces?
  • What do I need to open a Shared Space?
  • What is the difference between a joint bank account and N26 Shared Spaces?
  • How can I become visible so that I can participate in a Space?