Our survey found that women investors prefer bank products—such as interest-bearing savings accounts—the most (37%). Cryptocurrencies are the third most popular investment vehicle, with nearly one in three women saying they invest in crypto. In fact, cryptocurrencies are the most popular investment product overall among women in Spain, and among all European women aged 18–24.
To understand how to improve investment opportunities for women, it’s important to know what women value in investment products. We found that women are primarily looking to stretch each euro they invest. 42% of surveyed women report that finding good value for their money—such as low commission fees or attractive interest rates—is the most important aspect of their investment choices. Men, on the other hand, overwhelmingly prioritize long-term yields.
| Germany | 47% | 45% | 49% | 30% | 16% | 12% | 10% | 9% |
| Austria | 49% | 44% | 45% | 36% | 19% | 13% | 8% | 8% |
| France | 40% | 37% | 40% | 23% | 26% | 11% | 8% | 8% |
| Italy | 40% | 43% | 30% | 25% | 28% | 13% | 11% | 10% |
| Spain | 41% | 47% | 37% | 20% | 25% | 15% | 8% | 10% |
| Germany | 44% | 26% | 24% | 26% | 18% | 14% | 16% | 8% | 5% |
| Austria | 48% | 26% | 20% | 27% | 19% | 14% | 14% | 7% | 9% |
| France | 47% | 23% | 21% | 11% | 18% | 21% | 19% | 10% | 7% |
| Italy | 42% | 29% | 33% | 16% | 16% | 15% | 14% | 6% | 8% |
| Spain | 43% | 29% | 28% | 23% | 24% | 24% | 14% | 6% | 7% |
| Germany | 50% | 22% | 18% | 24% | 40% | 17% | 15% | 13% | 4% |
| Austria | 54% | 24% | 19% | 25% | 44% | 19% | 15% | 10% | 4% |
| France | 56% | 20% | 12% | 12% | 30% | 24% | 13% | 10% | 4% |
| Italy | 52% | 27% | 20% | 13% | 32% | 15% | 14% | 8% | 6% |
| Spain | 58% | 20% | 17% | 20% | 38% | 23% | 10% | 9% | 5% |
The survey was conducted among a total number of 16030 women and men in Austria (2006 survey participants from Burgenland, Kärnten, Niederösterreich, Oberösterreich, Salzburg, Steiermark, Tirol, Vorarlberg, Wien), France (4006 survey participants from Bassin parisien, Centre-est, Départements d'outre-mer, Est, Île de france, Méditerranée, Nord - pas-de-calais, Ouest, Sud-ouest), Germany (4008 survey participants from Baden-Württemberg, Bayern, Berlin, Brandenburg, Hessen-Thüringen, Mecklenburg-Vorpommern, Niedersachsen-Bremen, Nordrhein-Westfalen, Rheinland-Pfalz-Saarland, Sachsen- Sachsen-Anhalt, Schleswig-Holstein-Hamburg), Italy (3005 survey participants from Central Italy, Islands, Northeastern Italy, Northwestern Italy, Southern Italy), and Spain (3005 survey participants from A.M Barcelona, A.M Madrid, Centro (Central), Levante (Central East), Noreste (North East), Noroeste (North West), Nortecentro (North Central), Sur (South)), with an equal split between those who invest and those who do not. In this survey “investing” includes options like stocks, bank products, real estate, exchange traded funds etc. and “investing” is limited to survey participants investing their own money, excluding investments as part of their profession. The interviews were conducted online in February 2022 by the research institute Sapio on behalf of N26 using an email invitation and an online survey. The asked questions aimed to find out about the participants’ preferences, needs, wishes and pain points when investing / considering to invest. The survey defines “women” and “men” as all persons identifying as such. Persons who identified as “non-binary” were not included in the analysis due the sample size not being representative. Please note that N26 does not give investment advice and that investing comes with financial risk up to losing the invested funds.
For any questions regarding the methodology behind this project, please reach out to press@n26.com.