N26Instant Savings
Instant access · N26 Bank AG · Germany · Directly at the bank
Current account required
- Rate
- 0.30%
- variable
- since 2 Sep 2026
- Your return on €50,000
- €150
- interest per year
- Deposit guarantee
- €50,000 fully protectedGerman scheme
N26 Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 1 year: €150.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 0.30% |
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Alleen in combinatie met een N26-betaalrekening
- Rente afhankelijk van het N26-abonnement: Standard/Smart 0.30%, Go 0.50%, Metal 1.50% (Standard gerekend)
- Het N26-geldmarktfondsproduct is geen bankdeposito en is niet opgenomen
Deposit guarantee
€50,000 fully protected
German scheme
N26 Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Licence and verification
- Institution
- N26 Bank AG
- Status
- Verified European deposit guarantee scheme
- Scheme
- Entschädigungseinrichtung deutscher Banken GmbH (EdB) (Germany)
- Guarantee
- €100,000 per person per institution
- Verification
- Wettelijke DGS-informatie van N26 Bank AGsource ↗ · 2 Sep 2026
details
EdB, € 100.000); EdB-ledenlijst is niet machinaal leesbaar
Taxes
- Country
- Germany
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Germany withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 2 Sep 2026 | 0.30% | current |
| 5 Jul 2025 | 0.30% | 2 Sep 2026web archive |
| 1 Jun 2025 | 0.55% | 5 Jul 2025web archive |
| 5 Mar 2025 | 1.05% | 1 Jun 2025web archive |
All historic rates of N26 →All savings products of N26 →
- 2 Sep 2026New: N26 – Instant Savings 0.30%
Rate checked on 2 Nov 2026.