Risk indicator for all N26 accounts.
1
/6
This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.
N26 is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
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% NIR (2.8% AER)* interest with Metal, 2% NIR (2% AER) with Standard, Smart, and You, while still being able to dip into it anytime.
Open bank account
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.*2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of €100,000 in your N26 Instant Savings account for 12 months, after the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €2,797.20.
What is N26 Instant Savings?
N26 Instant Savings is an easy-access savings account that’s 100% flexible and available for free in the N26 app.Earn interest on all your savings (no minimum or maximum deposit limits), and instantly withdraw anytime — without losing any interest you’ve already earned. Win-win.
Saving just got more rewarding
Grow your money
Earn up to 3% NIR (2.8% AER)* interest — calculated daily and paid out monthly to grow your balance automatically.
Access anytime
No need to lock your money away. Deposit and withdraw any amount in seconds via the N26 app, as often as you like
No extra fees
Open your Instant Savings account with just a few taps in the N26 app — for free.
No deposit limits
No minimumor maximum deposit limits and no penalties for withdrawals, you’re free to save at your own pace.
N26 accounts — your money deserves an upgrade
MORE INTEREST
N26 Metal
The premium bank account with a metal card
€16.90/month
All benefits of N26 You, Plus
3% NIR (2.8% AER)* interest on your N26 Instant Savings
Up to 10 Spaces and 8 free domestic ATM withdrawals
Extended travel, phone, and purchase protection insurance
18-gram metal card
Open N26 Metal account
N26 You
The all-in-one account for banking and travel
€9.90/month
2% NIR/AER interest on your N26 Instant Savings
Up to 5 free domestic ATM withdrawals
Up to 10 Spaces sub-accounts
Travel insurance
Open N26 You account
N26 Smart
The bank account that gives you more control
€4.90/month
2% NIR/AER interest on your N26 Instant Savings
Up to 10 Spaces sub-accounts
Customer support hotline
Virtual and physical card
Open N26 Smart account
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
2% NIR/AER interest on your N26 Instant Savings
Worldwide payments and no foreign transaction fees
Up to 3 free domestic ATM withdrawals
Virtual debit card
Open free bank account
MORE INTEREST
N26 Metal
The premium bank account with a metal card
€16.90/month
All benefits of N26 You, Plus
3% NIR (2.8% AER)* interest on your N26 Instant Savings
Up to 10 Spaces and 8 free domestic ATM withdrawals
Extended travel, phone, and purchase protection insurance
18-gram metal card
Open N26 Metal account
N26 You
The all-in-one account for banking and travel
€9.90/month
2% NIR/AER interest on your N26 Instant Savings
Up to 5 free domestic ATM withdrawals
Up to 10 Spaces sub-accounts
Travel insurance
Open N26 You account
N26 Smart
The bank account that gives you more control
€4.90/month
2% NIR/AER interest on your N26 Instant Savings
Up to 10 Spaces sub-accounts
Customer support hotline
Virtual and physical card
Open N26 Smart account
N26 Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
2% NIR/AER interest on your N26 Instant Savings
Worldwide payments and no foreign transaction fees
Up to 3 free domestic ATM withdrawals
Virtual debit card
Open free bank account
Get more with N26 Metal
N26 Metal customers earn 3% NIR (2.8% AER)* interest on Instant Savings — our highest interest rate. As our most premium banking experience, N26 Metal also includes discounted crypto fees of just 1% for Bitcoin and 2% for other coins**, an extensive insurance package, priority customer support, and a unique stainless steel debit card.
Discover N26 Metal
Interest Calculator
Use our interest calculator to understand 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 calculations above show gross amounts before withholding taxes and assume 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 in the previous months
Start earning interest today
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 account set up, get your tax ID verified. Then, simply head to the ‘Finances’ tab in the N26 app and tap on ‘Instant Savings’ to create your savings account.
Open bank account
Your money is protected
N26 is a fully-licensed bank. That means the money in your bank account — including Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
See how N26 is simply secure
Bank like the locals with N26 x Bizum
Did you know you can also instantly send, receive, and request money with Bizum from your N26 app?Simply enter a phone number to send or request money. If you’re shopping, you can also pay with Bizum in participating stores in Spain.
Learn more
*N26 Instant Savings has no minimum or maximum deposit limit. 2.8% AER (3% annual NIR). With this interest rate, if you maintain a daily balance of €100 000 in your N26 Instant Savings account for 12 months, discounting the annual N26 Metal subscription fee of €202.80, your annual remuneration amounts to a gross amount before withholdings and taxes of €2,797.20. Interest is paid monthly. Applicable to any amount deposited in the N26 Instant Savings account, with no maximum limit. See conditions at n26.com.**The N26 Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, standard fees apply: 1.5% on Bitcoin and 2.5% on all other coins (fees are always rounded up to the nearest full cent—to a maximum of one cent—which may lead to a slight increase of the fee percentage shown in the order preview. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda.
FAQ
Why can’t I find Instant Savings in my N26 app?
Who is eligible for N26 Instant Savings?
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?
Is there a limit on the amount of interest I can earn with N26 Instant Savings?
What happens if I make a withdrawal before the end of the month?
What do AER and annual NIR mean?
Does N26 Instant Savings have a deposit limit?
Will I need to pay taxes on my earned interest?
Do I need my Spanish tax ID? Where can I find my Spanish tax ID?
Can customers with German IBAN open an N26 Instant Savings account?
Can N26 Business customers open an Instant Savings account?
What does “risk level of the product” mean?
