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:

• Login to the N26 App
• Tap on Finances
• Select Instant savings next to the piggy bank icon
• Read and accept the T&Cs

Interest is calculated daily and paid out monthly directly to your Savings account. The applicable interest rate depends on your membership.

Current interest rates:

• N26 Metal: 1.50% p.a.
• N26 Go: 0.55% p.a.
• N26 Smart & N26 Standard: 0.25% p.a.

Customers with an N26 Metal subscription who opened their account between February 19, 2025, and June 11, 2026, benefit from a fixed rate of 2.25% p.a., effective from June 17, 2026.

Note: Following the ECB rate change on June 11, 2026, new N26 Metal accounts will receive the standard rate of 1.50% p.a.

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.

Open your Instant Savings account with just a few taps in the N26 app — at no extra cost.

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

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 with a Standard or Premium membership.
• A German IBAN (beginning with DE)
• German T&Cs
• A valid legal address in Germany
• A valid tax ID.

Can I open or share an Instant Savings account with another N26 customer?

No, it’s not possible to share an Instant Savings account with any other N26 customer. Instant Savings accounts are individual accounts and cannot be shared or jointly managed, even if you have an N26 joint account with someone else.

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.

If you have our Spanish T&Cs and a Spanish N26 IBAN, please refer to our dedicated article here: What is N26 Instant Savings? (new tab)

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

*Your money held at N26 accounts are protected up to €100,000 by the German Deposit Protection Scheme.