What is N26 Instant Savings?

N26 Instant Savings is an easy-access savings account that’s 100% flexible and available at no extra cost in the N26 app. You can earn interest on your savings, and instantly withdraw anytime, without losing any interest you’ve already earned. To sign up for N26 Instant Savings:

  1. Login to the N26 App
  2. Tap on Finances
  3. Select Instant savings next to the piggy bank icon
  4. Read and accept the T&Cs

Grow your money

The interest is calculated daily and paid out monthly directly on your Savings account. The applicable interest rate depends on your membership. Due to recent changes in the interest rates set by the European Central Bank, we're changing our interest rates as follows:

N26 Standard & Smart

  • New rate: 1,3% p.a.
  • Old rate: 1,7% p.a.

N26 YOU:

  • New rate: 1,5% p.a.
  • Old rate: 2% p.a.

N26 Metal:

  • New rate: 2,5% p.a.
  • Old rate: 3% p.a.

The new rates apply to all customers who opened their Instant Savings after and including November 8th, 2024. If you opened your Instant Savings account before that date, the new interest rates will apply starting January 8th, 2025.

Withdraw & deposit money anytime

No need to lock your money away, you can 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 — at no extra cost.

100% flexible

With no minimum or maximum* deposit and no penalties for withdrawals, you’re free to save at your own pace.

Am I eligible for N26 Instant Savings?

If you see the option to sign up for N26 Instant Savings in the mobile app, you’re eligible! You’ll need:

  • The latest version of the N26 App.
  • An N26 personal account or business account with a Standard or Premium membership (Smart, YOU, Metal).
  • A German IBAN (beginning with DE).
  • Our T&Cs in one of the following countries: Austria, Netherlands, Ireland, Portugal, Slovenia, Greece, Belgium, Finland, Slovakia, Luxembourg, Estonia, Latvia, and Lituania
  • A legal address in one of the following countries: Austria, Netherlands, Ireland, Portugal, Slovenia, Greece, Belgium, Finland, Slovakia, Luxembourg, Estonia, Latvia, and Lituania

Please note: To benefit from this offer, you’ll need to open an N26 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. Interest is earned only on funds held in your Instant Savings account.

Learn more about Instant Savings in our dedicated article: N26 Instant Savings - FAQs

*If you have a German IBAN, your money held at N26 accounts are protected up to €100,000 by the German Deposit Protection Scheme.