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
Affiliate link — we may earn a commission. Details
You'll need your BSN and valid ID
Quick facts
Provider
N26
Access time
Instant
Protection
€100k guaranteed
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