N26 Shared Spaces—manage money together

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.

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Easily save and budget with others

Whether you’re managing household bills, or saving for that dream vacation—ditch the hassle of opening a joint bank account, and discover Shared Spaces! In just a few taps, invite up to 10 people to your shared sub-accounts and start easily organizing money with partners, family, and friends.

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.

Discover Spaces
Shared Spaces screen.

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 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.

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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.

*The “N26 Standard” current account includes zero fees for the maintenance of the account, the issuance of a virtual debit card and the authorization of virtual debit card transactions, ordinary SEPA transfers in Euros, standing transfer orders, SEPA direct debits, three cash withdrawals a month at ATMs in Euro area. Fees and charges are applicable for services other than those indicated. For the complete contractual and economic conditions, see the information sheets.

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Frequently asked questions

What is Shared Spaces?

Who owns the money in Shared Spaces?

Will the money in a shared space be calculated in my average annual balance?

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?