N26
N26: A bank account with automated savings tools, best suited to existing N26 customers. Ranked #2 of 14 in Savings Apps by our editors (8.6/10); pricing: Free plan; best for N26 customers automating savings into shared Spaces.
At a glance
- Editor score8.6 / 10
- PricingFree plan
- Best forN26 customers automating savings into shared Spaces
- Free planYes
- Savings goalsYes
- Founded2013 · Berlin, Germany
- Facts checked24 Sep 2026
Where it wins
- Round eligible card payments into a selected Space
- Automate transfers with Rules and income allocation with Income Sorter
- Shared Spaces let N26 customers save together
Where it doesn't
- Savings tools are tied to an N26 account
- Shared Spaces require other N26 customers
- Features and eligibility vary by country and account
Our verdict on N26
N26 is a digital bank with savings tools for people who want to organize money and automate transfers within their account. Its Spaces act as subaccounts for goals, while Round-Ups move the difference from eligible card purchases into a selected Space. Customers can also set Rules for transfers between Spaces or use Income Sorter to allocate a proportion of incoming transfers. This makes N26 a natural fit for existing customers who want routine saving built into their banking, rather than a standalone savings app.
The savings tools cover several approaches: goals for individual Spaces, automated movement between them, and shared saving with other N26 customers. Money can be moved between Spaces instantly, and Shared Spaces let invitees contribute together. Eligible customers can open Instant Savings, with deposits and withdrawals available in seconds. Availability for Instant Savings and Shared Spaces is subject to account and country eligibility, so these options may not suit everyone.
N26 Standard includes a free bank account. According to the published plans, N26 Smart costs €4.90 per month and adds up to 10 Spaces, savings goals, Shared Spaces, and Instant Savings. N26 is available on iOS, Android, and web, with chat and documentation support. Choose it if you already bank with N26 and value round-ups, goal-based Spaces, or shared saving within that account. If you want savings automation independent of N26, or depend on a feature whose eligibility does not match your account or country, a separate savings app may be a better fit.
Your product? Our editors can test N26 in depth and publish a review, labelled as paid · from $149/mo →
N26 pricing
N26 fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Round-up saving | Yes |
| Scheduled transfers | Yes |
| Savings goals | Yes |
| Shared goals | Yes |
| Savings account access | Both |
| Withdrawal timing | Instant |
| Deployment | Cloud, Mobile |
| Platforms | iOS, Android, Web |
| Compliance & security | GDPR, 2FA |
| Support | Live chat, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan (source) |
| Website | n26.com |
| Facts checked | 24 Sep 2026 |
Alternatives to N26
- PiggyVestPiggyVest suits savers who want automated schedules, group goals and interest without a subscription fee.8.8
- Chime WorkplaceA free workplace finance platform that pairs savings tools with wage access and employee support.8.1
- ChipA mobile savings app pairing automated deposits and goals with savings and investment accounts.7.9
N26 vs the competition
- N26 vs PiggyVest
- N26 vs Chime Workplace
- N26 vs Chip
- N26 vs Plum
- N26 vs Qapital
- N26 vs Capital One AutoSave
Compare N26 with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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