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.

Spend to save with Round-Ups

To reach your financial goals even faster, round-up your card purchases to the nearest euro. The difference will be automatically stashed away into your chosen space—it’s the most effortless way to save.

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.

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.

Shared Spaces

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.

View plans

*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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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.