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N26
Instant Savings (Standard/Smart)
0.3%
AER
Compare this savings account with others to find the best rate for your needs.
Type
Instant Access
Term
Instant
Protection
German DGS
After DIRT
0.20%
Interest Calculator
€5,000
Gross Interest (1 year)
€15.00
DIRT Tax (33%)
-€4.95
You Keep
€10.05
Pros
- •Deposit guarantee protected
- •Regulated financial institution
Cons
- •Compare rates regularly as they change
Best For
Savers looking for competitive rates
Important Notes
Free or Smart (€4.90/month) plan. DIRT not auto-deducted - self-declare on tax return.
Tax & Admin Info
What is N26? A German neobank offering app-based banking and savings accounts.
Tax: N26 doesn't auto-deduct DIRT. You'll need to self-declare interest on your annual tax return (Form 12).
Protection: Your savings are protected up to €100,000 by the German Deposit Guarantee Scheme.
vs Irish inflation (2.1%):-1.90% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05