There’s a Space for every cent

Organize your money in up to 10 Spaces sub-accounts to plan, track, and budget better than ever.
Open bank account
Open bank account
A woman sits in a campervan doorway with overlaid cards showing her main bank account and vacation savings balances.

Shopping is simple with Spaces

Each Space can be linked to cards and IBANs so you can easily pay for bills, expenses, and travel.
A hand holds a smartphone displaying the N26 banking app with overlaid cards showing the main account and a groceries budget.

Budget without the mental math

Set up rules like Income Sorter and Round-ups to automatically move money when and where you need it.
A woman holds groceries, with overlaid cards showing the "Round-ups" feature toggled on and an "Automations" icon.

Shared plans need Shared Spaces

Add up to 10 people to one Shared Space — perfect for roommates, saving up for trips, or putting money aside.
Two men smile while paying with a card at an outdoor cafe, with an overlaid card showing a shared savings space balance.

FAQ

  • N26 Spaces are sub-accounts that sit alongside your main account to help you organize your money better.

  • We call them Spaces to intentionally keep their purpose undefined. It’s up to you to decide how to use your sub-accounts — whether for saving or budgeting.

  • N26 Smart, Go, and Metal come with 10 sub-accounts. If you opened an N26 Standard account before March 18, 2021, you can create up to two Spaces sub-accounts.

  • Spaces can be linked to your N26 card, allowing you to pay directly from them. To link a card to a Space, go to the Cards tab then select Card Settings and choose the Space.

  • We’ll immediately move the money back into your main account. You can have up to 10 Spaces at any time and can add or delete a Space whenever you like.
Open bank account
Open bank account
Open bank account