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EU ProtectedUpdated 27 February 2026

Instant Savings

by N26

Interest rate
0.3%APY
Access
Instant
Protection
€100k
0.3
% APY
Best for:N26 UsersDigitalRound Ups
EU Deposit Guarantee
Protected up to €100,000

German neobank with 0.30% on free plan, up to 2.00% on paid plans. Good app but free tier rate is disappointing compared to competitors.

Rates last verified: 27 February 2026

The verdict

What we like

  • +Excellent mobile app
  • +German bank with EU guarantee
  • +Easy account opening
  • +Round-up savings features

What to consider

  • -Low free tier rate (0.30%)
  • -Best rate (2.00%) requires paid plan
  • -Trade Republic beats it on rates
  • -Customer service issues reported

Account details

Standard interest rate0.3% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
0.3%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
N26
Access time
Instant
Protection
€100k guaranteed
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