How Stocks and ETFs work at N26

Where available, Stocks and ETFs is powered by Upvest Securities GmbH (HRB 232445 B) as a digital asset servicing provider, registered with the German Financial Market Authority and located at Schlesische Str. 33/34, 10997 Berlin, Germany.

The following statements do not constitute investment advice or any other advice on financial services, financial instruments, financial products or digital assets. They are intended to provide general information. The following statements do not constitute an offer to conclude a contract for the purchase or sale of financial instruments and financial products or an invitation to submit such an offer and to buy or sell any particular digital asset.

Stocks and ETFs are subject to high fluctuations in value. A decline in value or a complete loss are possible at any time. The loss of access to data and passwords can also lead to a complete loss.

Have you ever wanted to invest but had no idea where to start? How about your N26 app? Manage the buying and selling of Stocks and ETFs directly from your N26 app. What are ETFs? It’s short for Exchange-Traded Fund, they’re a well-diversified assortment of investments. ETFs are funds that pool together the money of many investors to invest in a basket of securities.

Our Stocks and ETFs product is now available in Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Latvia, Lithuania, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia & Spain.

Please note that Stocks and ETFs is only available in the N26 app. It isn't available through the N26 web app.

You can find Stocks and ETFs in the Finances tab. Your sign-up is triggered once you select a Stock or ETF to buy. Once you have agreed to the terms and conditions for N26 and Upvest, your sign-up is complete.

• Market open hours are Mon–Fri, 8:00 to 21:00 CET
  • Orders can be made outside of hours, however, the order is only executed once the market is open again
• N26 customers can now buy and sell over 4,000 stocks and ETFs with zero transaction, entry, exit, or inactivity fees.
• For non-German residents, it's your responsibility to file an individual tax declaration and include any revenue. For our Austrian-based customers, there's no withholding or deduction of tax at the source from N26 or Upvest.

Incoming transfers are only available in Germany

We can only accept incoming portfolio transfers for assets with an ISIN supported by N26. For outgoing transfers, the receiving bank will only accept assets they support, so please verify with them directly.

You can transfer Stocks and ETFs ‌between different trading platforms, either outgoing or incoming transfers.

Outgoing transfers

If you wish to transfer your stocks and ETFs to another broker, we can definitely help you do that. Allowing you to move your securities, like stocks and ETFs, from N26 to another broker or custody bank. This service gives you the flexibility to manage your investments where you prefer.

To initiate the transfer, please obtain the transfer form from your chosen broker or trading platform. Complete the form and send it back to us. We will then take care of the transfer on your behalf. Once the transfer is complete, we will notify you.

Incoming transfers

From now on, you'll be able to bring your investments from other brokers to N26. 

Incoming portfolio transfers allow you to move your securities, like stocks and ETFs, from another broker or custody bank to N26. With this service, you can bring all your investments together on our platform, making it easier and more convenient to manage them. By transferring your assets to N26, you’ll enjoy a more organized and secure way to handle your finances.​​

To do so, follow these steps:

1. Log in to your N26 account
2. Go to the Investments tab in the N26 app.
3. In Settings, tap Transfer assets to N26.
4. Select your current investment portfolio provider (currently, we only support Trade Republic and Scalable Capital but we'll be adding support for more investment platforms in the future).

If you select Scalable Capital:

1. Select the assets you wish to transfer and specify the number of shares for each. You can choose multiple assets at once.
2. A PDF document will then be generated, which you'll need to sign directly within the app.
3. After you sign it, we’ll forward the document to your current broker.

If you select Trade Republic: You’ll need to complete the transfer directly within the Trade Republic app. Follow the steps displayed on the screen in the N26 app to proceed.

We know our customers are looking for ways to streamline their investment process and minimize stress, aiming to steadily grow their wealth through regular contributions. To help our customers with this, we have now introduced Investment Plans that can be applied to any Stock and ETF at no charge.

Customers can pick the asset they want to invest in, enter the amount to invest, and enter the frequency (weekly, every 2 weeks, monthly, or every 3 months). And there is no limit on the amount of plans you can attach to your investments.

We want to empower customers to concentrate on what truly matters: their objectives and strategies.

Germany For our German customers, we want to make your trade-related taxes easier on you. For any taxes from sales, purchases, or dividends, we’ll automatically withhold and transfer this tax percentage to the authorities. For more information, check out our German Taxation FAQ.

France In France, you must personally file a tax return that encompasses all your income. This includes dividends from stocks, interest from ETFs, and any capital gains from selling stocks and ETFs. Additionally, you need to report the opening and closing of any securities accounts you hold abroad, such as with Upvest in Germany, in your yearly tax declaration.

Other supported markets In Austria, Ireland, and the Netherlands, you are required to submit an individual tax declaration that includes all your income. Please note that we do not withhold or deduct taxes for customers in these countries.