N26 review
A bank account with automated savings tools, best suited to existing N26 customers.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
N26 pros and cons
- 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
N26 fact sheet, pricing and score →
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