N26: 0.50% TAE on any balance with the free plan; 1.30% TAE with N26 Metal (EUR 16.90/month)
Cuenta de Ahorro N26
Net value, first year
€40.50
#18 of 20 in this goal
Value per month of commitment
n/a
Commitment: None
Reward
Rate0.5% TAE
Terms
- Reward
- 0.50% TAE (0.50% TIN) with Estándar, Smart and Go. 1.30% TAE (1.5% TIN) with Metal, which costs EUR 202.80 a year. No maximum balance; interest calculated daily and paid monthly. Paid: Monthly, first day of the following month.
- Rate
- 0.5% TAE
- Requirements
- Needs an N26 current account first
- The Metal rate needs the paid Metal plan (EUR 16.90 a month)
- Fees
- €0/month. Savings account has no fee; the Metal plan costs EUR 16.90 a month
- Penalty
- None stated
- Eligibility
- Residents only: Yes
- NIE or TIE accepted: Yes
- Open to non-residents: No
- N26 account needs a Spanish NIF or NIE and a legal address in Spain (expat account page).
- Valid until
- No end date stated
- Checked
- (today, confirmed by the bank)
- Notes
- N26 may change the rate with 30 days' notice if rates fall. Interest is taxable in Spain and withheld monthly. A money market fund at 2.57% (Fidelity, variable, 6 Oct 2026) is promoted on the same page; it is an investment, not a deposit, and is not listed. The Metal rate is shown on the plan comparison at https://n26.com/es-es/cuentas as 1.30% TAE.
How the value is built
| Line | EUR |
|---|---|
| Interest 0.5% TAE on EUR 10000 for 12 months | €50.00 |
| Withholding 19% on interest | -€9.50 |
| Net value, first year | €40.50 |
Default profile: gifts at 80% of retail, a balance of €10,000. Change them in the search filters. Methodology
Compare with
- ING0.30% TAE on any balance, no fees, money always available€24.30 net in the first year
- ING1.00% TAE on any balance while you also hold an ING Cuenta NÓMINA€81 net in the first year
- Self Bank1.00% TAE with no conditions, 1.50% TAE with EUR 20,000+ in funds, on up to EUR 60,000€81 net in the first year
Not financial advice. Terms change: read the bank's page before you sign.