What is the savings rate at N26?

At N26 the highest effective annual rate for €10,000 is currently 0.30% on instant-access savings. The table on this page has every offer with its rate and conditions.

Is my money safe at N26?

N26 (N26 Bank AG) takes part in Entschädigungseinrichtung deutscher Banken GmbH (EdB). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.

N26

N26 Bank AG · Germany · supervised by BaFin

Website

Offers: 1
Instant access: 0.30%; highest effective
Deposit: —; highest effective
Deposit guarantee: Until €100,000; Germany scheme

Offers from N26

Your amount€Calculated over

Product	Type	Rate	Effective	Your return
Instant Savings	Instant access	0.30%	0.30%	€30 interest per year	Details

Instant Savings0.30% · 0.30% effective · since 2 Sep 2026€30interest per year

Saving at N26

N26 is a bank from Germany, supervised by BaFin. You open an account with the bank itself, online.

For €10,000 we list 1 instant-access account from N26. The best instant-access account, Instant Savings, pays an effective 0.30% a year. The highest instant-access rate in our comparison is 3.04% right now.

Some rates require a current account with the bank as well.

Savings at N26 fall under Entschädigungseinrichtung deutscher Banken GmbH (EdB), the statutory deposit guarantee scheme of Germany, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Germany does not withhold tax on the interest of a saver who lives in the Netherlands.

What is the savings rate at N26?: At N26 the highest effective annual rate for €10,000 is currently 0.30% on instant-access savings. The table on this page has every offer with its rate and conditions.
Is my money safe at N26?: N26 (N26 Bank AG) takes part in Entschädigungseinrichtung deutscher Banken GmbH (EdB). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
Do I pay withholding tax on interest from N26?: Germany does not withhold tax on the interest of a saver who lives in the Netherlands.
How do I open an account at N26?: You open an account with the bank itself, online.

Deposit guarantee and licence

Institution: N26 Bank AG
Status: Verified European deposit guarantee scheme
Scheme: Entschädigungseinrichtung deutscher Banken GmbH (EdB)
Guarantee: €100,000 per person per institution
Verification: Wettelijke DGS-informatie van N26 Bank AG
details
EdB, € 100.000); EdB-ledenlijst is niet machinaal leesbaar
source ↗ · 2 Sep 2026

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