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, France, Germany, Ireland, the Netherlands and Spain.

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 T&Cs for N26 and Upvest, your sign-up is now complete.

• Market open hours are Mon-Fri, 8am to 9pm CET
  • Orders can be made outside of hours, however the order is only executed once the market is open again
• Transaction Fees are €0.90 per trade, this includes buying and selling
  • Please note, the fee comes from your Main N26 account, and is not part of the trade price
• You’ll receive 5 free trades per month for You customers and 15 free trades per month for Metal customers.
• For non German residents, it is your responsibility to file an individual tax declaration and include any revenue. For our Austrian based customers, there is no withholding or deduction of tax at the source from N26 or Upvest.

Eligible customers will see Stocks and ETFs under the Finances tab. Eligibility can change at any time, so keep checking if you don’t see Stocks and ETFs in your app just yet.

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.

Users 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 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, purchase 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.