EU ProtectedUpdated 27 February 2026

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

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You'll need your BSN and valid ID

Quick facts

Provider

N26

Access time

Instant

Protection

€100k guaranteed

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