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A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 06/10/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results.
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1 Client-N26 Instant Savings account interest rates are based on your main Client-N26 plan: from 11/06/2025 onwards, 0.30% p.a. for Standard and Smart, 0.50% p.a. for Client-N26 Go, and 1.50% p.a. for Metal (before taxes). Please note that rates per plan can be changed by Client-N26 over time. This offer is available at no extra cost in the Client-N26 app in Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.
2 The variable annual return rate shown (2.57%) is presented net of fees and reflects information provided by the fund manager, Fidelity International, as of 06/10/2026. This rate is subject to change on a daily basis based on market conditions.
All investments carry a risk of capital loss. A flexible cash fund is not a guaranteed investment, and a total loss of your investment is possible at any time. The risk of loss of principal is borne entirely by the investor. Investing in a flexible cash fund differs from an investment in deposits. The capital invested may fluctuate. The flexible cash fund does not rely on external support to guarantee its liquidity or to stabilize its net asset value per share.
Before investing, please assess your financial situation carefully and consider seeking independent advice, review as well the Key Information Document (KID) and our full Terms & Conditions. The statements on this landing page do not constitute financial advice. The values depicted are fictional and for illustrative purposes only. Service of reception and transmission service for financial instruments by Client-N26 Bank SE (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 271697 B). Execution and securities custody by Upvest Securities GmbH (Schlesische Straße 33/34, 10997 Berlin, Germany, HRB 232445 B). Fund issued and managed by Fidelity (RCS B88635).
A flexible cash fund is a regulated investment product managed by Fidelity. The fund carries a low risk rating of 1 out of 7 and has a suggested minimum holding period of six months. As with all money market funds and other investments, there are inherent risks, including market, liquidity, and volatility risks. When you withdraw from a flexible cash fund, you instruct us to sell your shares in the underlying money market fund. The proceeds from this sale may take up to 2 business days to reach your account. T&Cs apply.
3 A flexible cash fund is not a deposit, it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager as of 06/10/2026, and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results. Starting January 1, 2027, service fees , calculated on the invested amount, will apply based on your Client-N26 plan: 0% for Client-N26 Metal and Aura, 0.20% for Go, 0.25% for Smart, and 0.30% for Standard plans.
4 Buying and selling stocks, ETFs, and ETCs through the Client-N26 app costs €0.90 per transaction. Client-N26 Go customers receive 3 free trades per month, while Client-N26 Metal customers receive 10 free trades per month. Free trades are only valid for stocks, ETFs, and ETCs. Product costs may apply, e.g. ETF management fees and third-party inducements. Terms and conditions apply.
These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments etc. These statements also do not constitute an offer to conclude a contract for the purchase or sale of financial instruments. Financial instruments can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. Past performance is not a reliable indicator of future results.
A portfolio transfer of fractional shares and fractional ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes. The numbers of available stocks and ETFs can vary per market.
The reception and transmission service for stocks, ETFs, and other assets is provided by Client-N26 Bank SE, Voltairestr. 8, 10179 Berlin, Germany, CR Berlin Charlottenburg HRB 271697 B in partnership with Upvest Securities GmbH, a limited liability company, Schlesische Straße 33/34, 10997 Berlin, Germany, CR Berlin Charlottenburg HRB 232445 B (execution and custody).
5 Eligible spending: Detailed T&Cs for customers who sign up before July 17 and after October 15 can be found here: #
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Client-N26 is the first 100% mobile bank to be granted and operate with a full German banking license from the German Federal Financial Supervisory Authority (BaFin). That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.
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We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the French territories outside Europe), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. You can open your account if you live in one of these countries and meet our requirements. Our products and services vary by country.
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Client-N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of your online payments is always guaranteed.
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As a bank, Client-N26 is supervised by BaFin. Your funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the Client-N26 app has many features to ensure the security of your bank account and data.
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In order to open a bank account with Client-N26, you must have a government-issued ID. See the list of List of accepted ID documents here. Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. Note that you’ll need a smartphone to use your account, and must live in an eligible country where Client-N26 operates.
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The standard Client-N26 bank account is free, with no opening or maintenance fees. The Client-N26 Smart bank account costs €4.90 per month, the Client-N26 Go bank account costs €9.90 per month, and the Client-N26 Metal account is available for €16.90 per month. To open a Client-N26 account, no deposit or minimum income is required.
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You can open your mobile Client-N26 account online in minutes from your phone or the Client-N26 website — no paperwork or waiting times. But best of all: once your Client-N26 bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
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