N26 review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
N26 suits people in the euro area who want a free, easy-access pot that earns interest without a term or a notice period. The saving is real but small: 0.3% to 1.5% sits well under the 3% site median, and you trade rate for easy access access.
Key facts
- Best for
- A flexible euro savings pot that pays some interest and costs nothing to run.
- Headline rate
- 0.3% to 1.5%↗
- Rate type
- Variable↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- 100% flexible: deposit and withdraw any amount, whenever you want↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- N26 Bank SE↗
- Headquarters
- Germany↗
- Founded
- 2013↗
- Support channels
- Email, Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- n26.com
Debit cards
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- The account runs on a no monthly fee basis, with a monthly fee of €0
- Access is easy access, and you can deposit and withdraw any amount whenever you want
- variable interest, so the rate can move rather than lock for a term
- Balances are covered by EU DGS up to EUR 100,000
Cons
- The 0.3% to 1.5% rate is well below the 3% site median, so the interest is modest
- Support runs on email, chat and help centre, with no phone line listed
- N26 is licensed by N26 Bank SE in Germany, so EU deposit protection rather than the UK scheme applies
Who it suits
- People in the euro area who want a savings balance they can reach at any time
- Anyone paying €0 a month who values free access over a higher rate
- Families and small businesses listed under the kids and business offerings
Who should look elsewhere
- Savers chasing the top rate, since 0.3% to 1.5% trails 3.29% and 3.01%
- Anyone wanting a fixed rate held for a term
- UK savers who want a UK-protected balance and would be better served elsewhere
Safety of your money
N26 holds deposits through N26 Bank SE, headquartered in Germany and supervised there by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). Deposits are covered by EU DGS up to EUR 100,000, so the money sits with a licensed bank rather than an app wrapper. Support is offered through email, chat and help centre, so you reach the team in writing or in chat.
How N26 compares
8.8 vs 8.0
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Where N26 is available
- Available
- Belgium, Estonia, Finland, Germany, Greece, Ireland, Latvia, Lithuania, Luxembourg, Netherlands, Portugal, Slovakia, Slovenia
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest does N26 pay on savings?+
N26 pays a variable rate of 0.3% to 1.5% on the savings account. The rate can change, so the figure is a snapshot rather than a promise. It sits below the 3% median across the savings accounts we track.
Is there a monthly fee on the N26 savings account?+
There is no charge for keeping the account, with a monthly fee of €0. N26 describes the account model as no monthly fee. The cost to you comes from the rate you earn, not from a fee.
Can I get at my money whenever I want?+
Yes. The account kind is easy access, and access is fully flexible, so you can deposit and withdraw any amount whenever you want. There is no term to run and no notice period to serve.
Is my N26 money protected?+
Deposits sit with N26 Bank SE in DE and are covered by EU DGS up to EUR 100,000. The bank is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). Check whether the scheme covers your currency and residency.
Who is N26 aimed at?+
The bank lists kids and business audiences, covering kids and business alongside everyday personal accounts. It is built for people in the euro area rather than the UK market, given the DE base and the EU DGS up to EUR 100,000 scheme.
What cards come with an N26 account?+
N26 issues a debit card on the mastercard network, with travel and virtual-card features listed among its offering. The card draws on the same balance as the savings account, so the 0.3% to 1.5% rate and your everyday spending sit together.
How do I get help from N26?+
Support runs on email, chat and help centre, so you can use email, chat or the help centre. A phone channel is not listed, which matters if you want to talk through a payment issue quickly. Writing down the detail first tends to speed up an email.
Is N26 regulated?+
Yes. The bank is N26 Bank SE, based in Germany and licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). It was founded in 2013, so it is an established licensed bank rather than a new entrant.
Sources
- n26.com/en-eu checked September 26, 2026
Backs: Audience
“For under 18s - Cards for teens and children”
- n26.com/en-eu/about-n26 checked September 26, 2026
Backs: Founded
“2013 N26 is founded in Berlin, pioneering a new way of digital banking in Europe.”
- n26.com/en-eu/free-bank-account checked September 26, 2026
Backs: Card type, Features
“silver N26 Debit Mastercard - Standard Bank for free”
- n26.com/en-eu/imprint checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Support channels, Licences
“N26 Bank SE, Voltairestraße 8, 10179 Berlin”
- n26.com/en-eu/interest-rates checked September 26, 2026
Backs: Pricing model, Monthly fee
“N26 Standard - The free* online bank account - €0.00/month”
- n26.com/en-eu/mastercard checked September 26, 2026
Backs: Card network
“Secure and easy shopping with N26 Mastercard”
- n26.com/en-eu/savings-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Rate type
“No need to lock your money away. Deposit and withdraw any amount, whenever you want.”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit.