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EU ProtectedUpdated 27 February 2026

N26

Instant Savings

Interest rate
0.3%APY
Access
Instant
Protection
€100k

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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

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Quick facts

Provider
N26
Access time
Instant
Protection
€100k guaranteed
Compare other accounts

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Trade Republic

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2%
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German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.

Base rate
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Min deposit
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Guaranteed
€100k

ABN AMRO

ABN AMRO Savings

1.45%
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Major Dutch bank with excellent English support. Rate is up to 1.45% on Direct Sparen. You get reliability and easy integration if you bank with ABN.

Base rate
1.45%
Access
Instant
Min deposit
None
Guaranteed
€100k

Revolut

Savings Vault

1.74%
interest

Up to 2.59% on Ultra plan, 1.74% on Standard plan. Daily interest payments. Great if you already use Revolut for travel.

Base rate
1.74%
Access
Instant
Min deposit
None
Guaranteed
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