Where does N26 invest my money?

We strive to provide our clients' deposits for loans to our customers (provided that they have the appropriate credit rating). For the liquidity not required in the customer business, our investment strategy is low in risk.

We invest our customers' money at short notice with the Deutsche Bundesbank and other European banks in the eurozone with only good risk classes. And we refinance public-law customers mainly in Germany (cities and municipalities) and invest in euro government bonds.

We're not a trading book institute. That is: we do not trade for short-term profit.

And we don't engage in speculation, whether on food, foreign exchange, bitcoins or other asset classes.