What is the best N26 savings rate?
The best N26 savings rate is 2% AER on their Instant Savings (Metal - new).
N26 Savings Accounts in Ireland - March 2026
N26 offers 4 savings accounts in Ireland. N26 is a digital-only bank with app-based account management. EU deposit protection applies.
Summary
- Total accounts: 4
- Account types: Instant Access
- Best rate: 2% AER (Instant Savings (Metal - new))
- Best instant access: 2% AER
- Deposit protection: EU Deposit Guarantee (€100,000)
- DIRT tax: Self-declare (33%)
- Data updated: Daily at 9am
Instant Access Accounts (4)
Withdraw anytime without penalty.
- 2% AER - Instant Savings (Metal - new). No minimum
- 1.5% AER - Instant Savings (Metal - existing). No minimum
- 0.5% AER - Instant Savings (Go). No minimum
- 0.3% AER - Instant Savings (Standard/Smart). No minimum
Frequently Asked Questions
Is my money safe with N26?
Yes, N26 is regulated in the EU and deposits are protected by the relevant EU deposit guarantee scheme up to €100,000.
How is DIRT tax handled?
N26 does not automatically deduct DIRT. As an EU-based provider, you must self-declare interest on your annual Irish tax return and pay the 33% DIRT yourself.
Can I access my money instantly?
Yes, N26 offers 4 instant access accounts with rates up to 2% AER. You can withdraw anytime without notice or penalty.
How do I open a N26 savings account?
Download the N26 app, complete ID verification, and start saving within minutes. Fully digital process.
Compare Other Providers
- AIB: https://smartsaver.ie/savings/provider/aib
- PTSB: https://smartsaver.ie/savings/provider/permanent-tsb
- State Savings: https://smartsaver.ie/savings/provider/state-savings
- Revolut: https://smartsaver.ie/savings/provider/revolut
- Bunq: https://smartsaver.ie/savings/provider/bunq
- Trade Republic: https://smartsaver.ie/savings/provider/trade-republic
- MoCo: https://smartsaver.ie/savings/provider/moco
- Monzo: https://smartsaver.ie/savings/provider/monzo
- Klarna: https://smartsaver.ie/savings/provider/klarna
- Bank of Ireland: https://smartsaver.ie/savings/provider/bank-of-ireland
- Raisin: https://smartsaver.ie/savings/provider/raisin
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- N26 website: https://n26.com/