N26 Instant Savings

N26 · savings account

Interest per year: 0.30%up to 1.50% with N26 Metal (€16.90/mo)
Access to your money: Instantwithdraw any day
Deposit guarantee: €100,000not re-confirmed: see account details
Minimum deposit: Noneno maximum

Rates last verified: 1 November 2026

Checked against N26’s own pages on 4 October 2026: interest rate, deposit guarantee. Terms change: check them there before you apply.

About this account

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.

Best for: N26 Users, Digital, Round Ups

Pros and cons

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

Every rate

Standard rate: 0.30% a year
With N26 Go: 0.50% · Instant Savings rate on the Go plan (€9.90 a month). Smart (€4.90 a month) pays the same 0.30% as Standard. · Not re-confirmed since 5 October 2026.
With N26 Metal: 1.50% · Instant Savings rate on the Metal plan (€16.90 a month). · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on N26’s own pages on 5 October 2026: source 1. They change often; check the provider before you open an account.

Account details

Minimum deposit: None required
Maximum deposit: No limit
Withdrawal access: Instant accessNot re-confirmed since 4 October 2026: check with the provider before you apply.
What it is: savings accountNot re-confirmed since 4 October 2026: check with the provider before you apply.
Deposit protection: Up to €100,000 per person per bank, under the German deposit guarantee scheme (EdB).Not re-confirmed since 4 October 2026: check with the provider before you apply.
BSN: Not stated by N26.
Who can open it: Needs an N26 current account.Not re-confirmed since 4 October 2026: check with the provider before you apply.

The deposit guarantee follows the bank’s licence, not where you live: up to €100,000 per person per bank, under the scheme of the country that licensed it.

Open with N26

Other accounts

Other savings accounts
Account	Interest	Access	Guarantee
ABN AMRO SavingsABN AMROProduct type not re-confirmed	1.25%up to €500,000, then 1.45%	Instant	€100,000NLnot re-confirmed
Internet SparenTriodos BankProduct type not re-confirmed	1.15%up to €10,000, then 0.90%	Instant	€100,000NLnot re-confirmed
Oranje SpaarrekeningINGNot yet verifiedProduct type not re-confirmed	1.25%up to 2.25% with ING Max (€44.99/mo)	Instant	€100,000NLnot re-confirmed