Manage your money with N26 Spaces

Go premium, and create sub-accounts for all your financial goals. Save easily and find a better way to budget—all in one place on your smartphone.
woman watching her mobile on the beach.

Sub-accounts for whatever your need

Organizing your money, or simply saving up for that big purchase? As a premium feature, N26 Spaces lets you create up to 10 sub-accounts that sit alongside your main account. It’s a fast, flexible way to put money aside—whenever you want.
Shared Spaces screen.

Share money with friends and family

Enjoy a better way to save and manage money with others, thanks to Shared Spaces. As a premium customer, create sub-accounts and invite up to 10 participants* to join and manage funds together.

*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 https://n26.com/en-fr/crypto.

Pay from a Space and stay in control

Instantly link your virtual or physical Mastercard to a Space—and switch it up as often as you like. So whether you’re off to a wild bachelorette party or a bucket-list adventure, you’ll only be able to spend what’s in the linked Space. Relax, everything’s under control.
Paying with a N26 Card.

Create Rules, then forget them

Always forgetting to put money aside? Thanks to Rules with Spaces, set up recurring transfers between your main account and your spaces—simply set the amount and frequency, and watch that savings pile grow.

Spend to save with Round-Ups

Transfer funds whenever you want—in real-time. Each space is a separate sub-account, and you can drag and drop money between them by tapping the button next to the spaces’ name.

Make the most of Spaces. Get the most out of your money.

Move money between spaces

Transfer funds whenever you want—in real-time. Each space is a separate sub-account, and you can drag and drop money between them by tapping the button next to the spaces’ name.

Pay from your main account

Put money aside into a space to avoid spending it. Only your main account is attached to your card, and all payments come from here—including direct debits and standing orders.

Get a complete overview

Keeping track of multiple saving goals has never been easier. They’re all in one place—just give each space a descriptive name, and you’ll never forget what you’re saving for.

Set savings goals

Make progress towards your dreams, or just motivate yourself to save more. Each space lets you set a total amount, and shows you how close you are to reaching your goal.

n26 standard card.
n26 metal card.
n26 you card.

Save and budget with N26 Spaces

New customer? Sign up for an N26 premium account to start saving up and budgeting your way. And if you already have one, simply log into your N26 app or WebApp to create your first space.

FAQ

  • What are N26 Spaces sub-accounts?
  • Why are you calling them Spaces?
  • What happens to my Main Account?
  • How many spaces can I make?
  • What if I want to spend from another space?
  • What happens if I delete a space?
  • How do I see my total bank account balance?
  • How can I get Spaces?