FAQ Page

Question 1

Which ETFs can I buy at N26?

Accepted Answer

N26 offers over 300 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.

Question 2

Which stocks can I buy at N26?

Accepted Answer

N26 offers over 500 stocks in a variety of categories. We’ll continue to offer more stocks as time goes on.

Question 3

Is my investment secure?

Accepted Answer

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.

Question 4

What are the risks of trading Stocks and ETFs?

Accepted Answer

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.

Question 5

How do I choose the right stock or ETF?

Accepted Answer

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.

Question 6

How are ETF prices determined?

Accepted Answer

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.

Question 7

How are stock prices determined?

Accepted Answer

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.

Question 8

How much does it cost to buy, hold, and sell stocks or ETFs at N26?

Accepted Answer

For every trade — meaning every purchase or sale — of a stock or ETF with N26, you’ll pay a fee of €0.90, as well as the specific ETF management fee, if applicable. N26 Metal customers get 15 commission-free trades every month. N26 You customers get 5 commission-free monthly trades.

Question 9

How much tax do I need to pay on my stocks and ETFs in France?

Accepted Answer

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](https://support.n26.com/en-fr/app-and-features/savings-and-invest/french-declaration-of-foreign-accounts).

Question 10

Will more stocks and ETFs be available in the future?

Accepted Answer

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

Question 11

Why can't I find stocks and ETFs in my app?

Accepted Answer

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.

Question 12

Can I transfer stocks and ETFs from my previous broker to N26?

Accepted Answer

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

Question 13

How does N26 provide Stocks and ETFs?

Accepted Answer

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](https://support.n26.com/en-fr/app-and-features/savings-and-invest/how-stocks-and-etfs-work-at-n26).

Invest in yourself

All in one app

Just €1 to get started

Invest in your future

Simple rates and commission-free trades

N26 accounts — Your money deserves an upgrade

What are stocks and ETFs?

Ready? Start investing in 3 steps

Pick and choose from 800+ stocks and ETFs*

Popular ETFs

Stock market ETFs

Emerging markets ETFs

Sector ETFs

Allianz

Tesla

Apple

Netflix

N26 is simply secure

Personal accounts

Business accounts

Manage

Financial Products

Pay

More

Social Media

Blog

Company

Help