N26 Flexible Savings Account: Standard/Smart Tagesgeld Review 2026
In a nutshell:
- The “Standard/Smart Tagesgeld” is a flexible savings account offered by N26.
- It pays a top interest rate of 0.25% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by N26.
N26
Standard/Smart Tagesgeld
0.25%
annual percentage yield
How much interest does the N26 Standard/Smart Tagesgeld pay?
N26 offers the flexible savings account "Standard/Smart Tagesgeld" with monthly interest payouts. The regular interest rate is 0.25%.
Who is behind N26?
Founded in 2013 and located in Berlin, N26 is the largest and one of the first neobanks in the European Union. It has over 5 million customers. The purpose is to make banking easy and accessible from anywhere in the world through clever digital solutions.
Starting with its free current account option, N26 has since expanded its product range. Nowadays, fintech also offers savings accounts, investment options, insurance, and more. N26 is famous for making account opening quick and easy, including for new expats with limited credit history. Hence, N26 is likely the first choice and best bank account for newcomers to Germany.
How safe is my money with N26?
N26 offers deposit protection of up to 100,000 euros per customer, as it has a full German banking license. It is therefore subject to the European deposit protection system, which protects deposits in the event of insolvency. All funds are protected by the German Banks Compensation Scheme (Entschädigungseinrichtung deutscher Banken GmbH). Germany has the top credit rating, AAA, underlining the country's stability, economic strength, and fiscal legroom.
How can I manage the Standard/Smart Tagesgeld account?
N26 flexible savings account management is available online via the web interface or on a smartphone. N26's smartphone application is probably the most advanced on the market. It lets you do transfers, follow transactions, or block the card. Users receive automatic push notifications after incoming payments and anytime their card is used. The balance is updated in real time.
N26 Standard/Smart Tagesgeld offers a comprehensive multi-language interface and support. The website, mobile app, and customer support are available in English, French, German, Italian, and Spanish. Customer support is available via chatbot and live chat. Customers with paid plans can also use telephone support.
How can I open the N26 Standard/Smart Tagesgeld?
To open an N26 Standard/Smart Tagesgeld, you first have to open the current account. You can then add a separate "Space" for instant savings to your account and start earning interest.
The opening process is entirely digital: You scan the code or open the link on the website to download the mobile application. After you enter your personal data and complete the identification process, the account will be ready for use within a few minutes.
All applicants must be at least 18 years old. N26 allows online account openings from Germany and abroad. You must reside in an EU / EFTA country: Germany, Austria, Ireland, France, Spain, Italy, the Netherlands, Belgium, Portugal, Finland, Luxembourg, Slovenia, Estonia, Greece, Slovakia, Poland, Sweden, Denmark, Norway, Liechtenstein, or Iceland. The conditions may vary by country (e.g, availability of N26 flexible savings accounts or interest rates).
German residents can use a digital German ID for identification (eID) or use the Bank Account Verification. The latter includes submitting the photo of your ID and selfie, as well as transferring an amount between 1 and 100 euros from a bank account in your own name and from an EEA region that enables SEPA transfers.
About the Author
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