What is the best N26 savings rate?
The best N26 savings rate is 1.5% AER on their Instant Savings (Metal - new).
N26 Savings Accounts in Ireland - November 2026
N26 offers 4 savings accounts in Ireland. N26 is a digital-only bank with app-based account management. Deposits protected by German DGS, up to €100,000.
Summary
- Total accounts: 4
- Account types: Instant Access
- Best rate: 1.5% AER (Instant Savings (Metal - new))
- Best instant access: 1.5% AER
- Deposit protection: German DGS, up to €100,000
- DIRT tax: Self-declare (33%)
- Data checked: weekly, Mondays
Instant Access Accounts (4)
Withdraw anytime without penalty.
- 1.5% 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?
N26 deposits are protected by German DGS. EU deposit guarantee schemes typically cover up to €100,000 per depositor.
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 1.5% 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://www.smartsaver.ie/savings/provider/aib
- EBS: https://www.smartsaver.ie/savings/provider/ebs
- Bankinter: https://www.smartsaver.ie/savings/provider/bankinter
- Bank of Ireland: https://www.smartsaver.ie/savings/provider/bank-of-ireland
- PTSB: https://www.smartsaver.ie/savings/provider/permanent-tsb
- State Savings: https://www.smartsaver.ie/savings/provider/state-savings
- Raisin: https://www.smartsaver.ie/savings/provider/raisin
- Bunq: https://www.smartsaver.ie/savings/provider/bunq
- Trade Republic: https://www.smartsaver.ie/savings/provider/trade-republic
- MoCo: https://www.smartsaver.ie/savings/provider/moco
- Klarna: https://www.smartsaver.ie/savings/provider/klarna
- Monzo: https://www.smartsaver.ie/savings/provider/monzo
- Revolut: https://www.smartsaver.ie/savings/provider/revolut
More Information
- Compare all savings accounts: https://www.smartsaver.ie/savings
- N26 website: https://n26.com/