What is N26 Instant Savings?

N26 Instant Savings is an easy-access interest-bearing deposit 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. If you've already created Spaces, scroll down to reveal Instant savings with a piggy bank icon
4. Read and accept the T&Cs

The interest is calculated daily and paid out monthly. 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:

• Current rate: 0.75% annual gross nominal interest

• Current rate: 1.05% annual gross nominal interest

• New rate: 2.25% annual gross nominal interest
• 19.02.2025: New Instant Savings Offer for Metal & Business Metal Customers
  • Customers with an N26 Metal or Business Metal subscription who opened their account on or after February 19, 2025, can benefit from our new Instant Savings offer*. When opening an Instant Savings account, they will receive the ECB interest rate applicable on that day, with future ECB rate changes applying only to new accounts opened afterward.
  • For example, if the ECB rate is 2.75% on February 19, 2025, customers opening their Instant Savings account that day will earn 2.75% interest. This is a permanent offer, not a promotion.
  • *Note: at this time, this offer is not available in Spain.

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 N26 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 (Smart, YOU, Metal)
• A French IBAN (beginning with FR)
• French T&Cs
• A valid legal address in France

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 out dedicated article: N26 Instant Savings - FAQs

*The interest rates may be subject to change at any time by N26. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of N26 Bank AG, Succursale France.