What is the interest rate on N26 Instant Savings (Standard/Smart)?
N26 Instant Savings (Standard/Smart) pays 0.3% AER. After 33% DIRT tax, the effective rate is 0.2%.
N26 Instant Savings (Standard/Smart)
0.3% AER - Instant Access savings account from N26. 0.2% after 33% DIRT tax.
Account Details
- Interest Rate: 0.3% AER (0.2% after DIRT)
- Account Type: Instant Access
- Access: Instant access - withdraw anytime
- Minimum Deposit: No minimum
- Maximum Deposit: No maximum
- Deposit Protection: German DGS
- Provider: N26
Notes: Free (Standard) or €4.90/month (Smart) plan. Same 0.30% rate for both. DIRT not auto-deducted.
Interest Calculator
Estimated annual interest at 0.3% AER:
- €1,000 → €3.00 gross (€2.01 after DIRT)
- €5,000 → €15.00 gross (€10.05 after DIRT)
- €10,000 → €30.00 gross (€20.10 after DIRT)
Use our savings calculator for detailed projections.
About N26
German digital bank. Rates tiered by plan. No DIRT auto-deduction.
Website: https://n26.com/
Compare Similar Instant Access Accounts
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- MoCo EasySaver (Standard) - 2.1% AER
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Frequently Asked Questions
Is my money protected with N26?
Yes, deposits are protected under German DGS. This provides protection up to €100,000 under EU deposit guarantee rules.
How do I open this account?
Download the N26 app and complete ID verification. The process is fully digital.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). N26 does not deduct DIRT automatically - you must declare it in your tax return.
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- All N26 accounts: https://smartsaver.ie/savings/provider/n26
- Savings calculator: https://smartsaver.ie/savings/tools/savings-growth
- N26 website: https://n26.com/