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N26 Standard/Smart Tagesgeld for Expats in Germany

The Tagesgeldkonto by N26 offers a top interest rate of 0.25%, and is available to eligible residents in Germany.

Written by Christian - German Relocation & Expat Banking Advisor
Last update: June 11, 2026Last data check: August 20, 2026

N26 Standard/Smart Tagesgeld at a Glance

Account type	Tagesgeld / flexible savings
Promotional rate	Not available
Balance for promotional rate	Unlimited
Ongoing rate	0.25%
Interest Payout	Monthly
Balance for regular interest	Unlimited
Deposit protection	Germany (up to €100,000 per customer)

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How Much Interest Can You Earn with the N26 Standard/Smart Tagesgeld?

Enter your savings amount and planned savings period to estimate how much interest you could earn with this account:

N26
Standard/Smart Tagesgeld

€ 12.50
est. interest

[tg_avg_rate autop=”0″ autop= “0”]

annual percentage yield

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How Can I Manage the N26 Standard/Smart Tagesgeld?

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 e-mail, 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.

Good to Know

Not sure if this account is right for you? Compare current Tagesgeld rates and estimated returns across available accounts in Germany.

Compare Tagesgeld Accounts

About 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.
N26 Deposit Protection
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.

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About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

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This content is for general information only and does not constitute personalized financial advice or a recommendation to use any particular product or provider. Product features, rates, fees, eligibility requirements, and terms can change. Please conduct your own research and seek independent professional advice where appropriate. Always verify the current terms with the provider before applying or opening an account.