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.
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.
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.
*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 2.25%, which is currently aligned with the European Central Bank deposit facility rate (starting on 23/04/2025). 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 1.75% with N26 Metal, 0.55% with N26 You, and 0.25% with N26 Smart and N26 Standard, from 23/04/2025 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.
**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.
*****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). 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, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds 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 depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market.
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.
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.
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
Each space created with N26 Spaces is a sub-account that sits parallel to your main N26 account. It’s similar to a savings account—they hold your money, but can’t be used for spending or transactions.
N26 Spaces is only available with premium accounts. Discover N26 Smart!
We called them Spaces to keep their purpose undefined. That’s up for you to decide, whether it’s saving or organizing your finances. While many sub-accounts are simply for saving, Spaces is a general tool that serves your needs, regardless of function.
Absolutely nothing! Your main account will continue to function like it did before. All your purchases, transfers, standing orders, and deposits will happen there.
If you have an N26 premium bank account, you can create up to 10 Spaces sub-accounts. These sit alongside your main account, and you can create and delete these as often as you want.
We don’t support that functionality yet, but we’re working on making it possible. In the meantime, it’s easy to move money over from a space into your main account. Just drag and drop, input the amount you spent and it’ll “pay you back.” For example, if you have a space for rent and you transfer some money out of your main account, you’d just drag and drop the same amount out of your “Rent Space.”
We’ll move the money immediately back into your main account.
Navigate to your N26 Finances overview. Your total balance sits right at the top above your spaces.
You can create up to 10 Spaces with an N26 premium bank account. Open yours now, and tap on the ‘Finances’ tab in your N26 app to get started.
If you’re an N26 Standard customer who opened an account before 16/02/2021, you can also create up to 2 Spaces sub-accounts.
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