N26 Instant Savings account
Looking to make your money work for you? Here’s another reason for you — and your money — to love N26. Grow your savings with 3%* interest p.a. with Metal, 2% p.a. with You, and 1.7% with Smart and Standard, and access your funds at any time.This offer is waiting for you in the N26 app for residents in Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.
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To benefit from this offer, you’ll need to open an N26 bank account. After that, you may open a separate N26 Instant Savings account to earn interest alongside everyday banking. Please note that you’ll only be able to open an N26 Instant Savings account if you meet the eligibility requirements. Check our FAQs for more information.*Interest rates are based on your N26 membership: 1.7% for Standard and Smart, 2% for You, and 3% for Metal, including both personal and business accounts. Interest rates are variable and subject to change in the future. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes).
What is N26 Instant Savings?
N26 Instant Savings is an easy-access savings account available at no extra cost in the N26 app. Now, customers with personal and business accounts in the countries mentioned above can grow their savings the flexible way.Earn interest on your funds with no deposit limits** and instantly withdraw anytime. Win-win.
Saving just got more rewarding
Interest paid monthly
Earn up to 3%* interest p.a. — calculated daily and paid out monthly — to grow your balance automatically.
100% flexibility
No need to lock your money away. Deposit and withdraw any amount, anytime, in seconds.
No extra fees
Open your N26 Instant Savings account with just a few taps in the N26 app — at no extra cost.
No deposit limits**
Add as much money as you like and earn interest on your total savings balance. The sky’s the limit**.
N26 accounts — Your money deserves an upgrade
MORE INTEREST
N26 Metal
The premium bank account with a metal card
€16.90/month
3% interest p.a. on your Instant Savings
Up to 8 free domestic ATM withdrawals
Exclusive mobile phone coverage
Open N26 Metal account
N26 You
The all-in-one account for banking and travel
€9.90/month
2% interest p.a. on your Instant Savings
Up to 5 free domestic ATM withdrawals
Flight and luggage delay cover
N26 Smart
The bank account that gives you more control
€4.90/month
1.7% interest p.a. on your Instant Savings
Up to 10 Spaces sub-accounts
Customer support hotline
Open N26 Smart account
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
1.7% interest p.a. on your Instant Savings
Up to 3 free domestic ATM withdrawals
Free payments worldwide
Open free bank account
MORE INTEREST
N26 Metal
The premium bank account with a metal card
€16.90/month
3% interest p.a. on your Instant Savings
Up to 8 free domestic ATM withdrawals
Exclusive mobile phone coverage
Open N26 Metal account
N26 You
The all-in-one account for banking and travel
€9.90/month
2% interest p.a. on your Instant Savings
Up to 5 free domestic ATM withdrawals
Flight and luggage delay cover
Open N26 You account
N26 Smart
The bank account that gives you more control
€4.90/month
1.7% interest p.a. on your Instant Savings
Up to 10 Spaces sub-accounts
Customer support hotline
Open N26 Smart account
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
1.7% interest p.a. on your Instant Savings
Up to 3 free domestic ATM withdrawals
Free payments worldwide
Open free bank account
Get more with N26 Metal
N26 Metal customers earn 3%* interest p.a. on Instant Savings — our highest interest rate. As our most premium banking experience, N26 Metal also includes an extensive insurance package, priority customer support, and a unique stainless steel debit card.
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Interest Calculator
N26 Instant Savings
Use our interest calculator to see how your money can grow over time with N26.
Enter a balance, your plan’s interest rate, and a time period:
New balance
€10,300.00
Gross interest
€300.00
The calculation above shows gross amounts before withholding taxes and assumes that the daily balance in the savings account remains the same during the whole period. If you keep the paid interest in your N26 Instant Savings account, the total gross interest earned during the whole period will be higher. This is because you'll be earning interest on the interest you've already earned.
Start earning interest
Opening your N26 Instant Savings account is easy. Not a customer yet? Sign up to N26 right from your phone.Once you have your N26 personal or business bank account set up, simply head to the ‘Finances’ tab in the N26 mobile app and tap on ‘Instant Savings’ to create your savings account.
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Your money is protected
N26 is a fully-licensed German bank. That means the money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Automate? Great.
Growing your money is even easier when you automate your savings. With N26 Rules and Goals (available for all customers) or N26 Income Sorter and Round-ups (available for N26 Smart, You, and Metal customers) you can reach your goals faster by automatically moving money between your main account and your savings account. It’s a great, hands-off way to kickstart your savings.
*N26 Instant Savings account interest rates are based on your main N26 Membership, for both personal and business accounts: 1.7% p.a. for Standard and Smart, 2% for You, and 3% p.a. for Metal (before taxes), as of 1.8.2024. Interest rates p.a. are equivalent to AER in Ireland and TANB in Portugal (before taxes).Please note that rates per membership are variable and can be changed by N26 over time. Interest is only earned on funds held in your Instant Savings account. Withholding taxes may apply for customers who are residents of Germany, in which case N26 will withhold taxes on paid interest.**The money in your bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.The offer is provided under the German law.
FAQ
Why can’t I find Instant Savings in my N26 app?
Who's eligible for N26 Instant Savings?
Is an N26 Instant Savings account only available to new customers?
As a new customer, can I open only an N26 savings account, without opening an N26 bank account?
When and how is my interest paid?
How is my interest calculated?
Can N26 change my Savings Account interest rate?
Where can I find N26 Instant Savings in the app?
Is there a limit on the amount of money I can deposit into my N26 Instant Savings?
What happens if I make a withdrawal before the end of the month?
Do I have to top up a certain amount of money every month to keep earning interest?
Do I need to pay taxes on my earned interest?
Can N26 Business customers open an Instant Savings account?
What is an easy-access savings account?
How many savings accounts can I have?
What’s the difference between my savings account and my main account?
What is the difference between a flexible savings account and a long-term or fixed-term savings account?
Can I transfer money directly from my Instant Savings account?
