What is the interest rate on N26 Instant Savings (Metal - existing)?
N26 Instant Savings (Metal - existing) pays 1.5% AER. After 33% DIRT tax, the effective rate is 1.01%.
N26 Instant Savings (Metal - existing)
1.5% AER - Instant Access savings account from N26. 1.01% after 33% DIRT tax.
Account Details
- Interest Rate: 1.5% AER (1.01% 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: Existing Metal customers. Requires €16.90/month Metal plan. DIRT not auto-deducted.
Interest Calculator
Estimated annual interest at 1.5% AER:
- €1,000 → €15.00 gross (€10.05 after DIRT)
- €5,000 → €75.00 gross (€50.25 after DIRT)
- €10,000 → €150.00 gross (€100.50 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
- MoCo EasySaver (Promo) - 2.6% AER
- Revolut Instant Access Savings (Ultra) - 2.25% AER
- MoCo EasySaver (Standard) - 2.1% AER
- Raisin (Northmill Bank AB) Demand Deposit - 2.02% AER
- Raisin (Banca CF+) Demand Deposit - 2.02% AER
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/