Accounts & headline costs
Sections ↑N26 Stocks and ETFs is embedded in the N26 banking app. N26 Bank receives and transmits the order while Upvest provides the securities execution/custody infrastructure, so bank deposits, investment assets and product-market risk must be treated as separate layers.[1][2]
Account comparison01
Account and service routes at a glance
| Account / service | Customer and legal scope | Principal condition |
|---|---|---|
| Standard N26 investing | Eligible N26 retail customer | €0.90 trades, free holding and savings plansSource 1Source 2 |
| N26 Go | Paid banking plan | Three qualifying free trades monthly; plan price is separateSource 1 |
| N26 Metal | Paid banking plan | Ten qualifying free trades monthly; plan price is separateSource 1 |
| Savings plan | Recurring supported stock, ETF and ETC purchases | No execution fee; product costs remainSource 2Source 1 |
Broker essentials02
Opening and account essentials
| Measure | Value | Context |
|---|---|---|
| Minimum order | From €1 for supported fractional investing | Source 1Source 6 |
| Ordinary trade fee | €0.90 | Source 1 |
| Holding fee | €0 | Source 1 |
| Interface | N26 mobile app; not the WebApp | Source 2 |
Products & platforms
Sections ↑Availability03
Products and ownership structure
| Product or service | Published access | Boundary that matters |
|---|---|---|
| Stocks | Selected European and US shares, including fractions | Availability is country/product specificSource 1Source 2 |
| ETFs | Selected exchange-traded funds | TER and product costs remainSource 1 |
| ETCs | Selected commodity-linked securities | Issuer, collateral and commodity risks differ from an ETFSource 1 |
| Savings plans | Recurring stocks, ETFs and ETCs | Weekly, every two weeks, monthly or every three monthsSource 2 |
| Portfolio transfer | Supported incoming and outgoing securities | Provider, ISIN and country eligibility applySource 2 |
Availability04
Published geographical coverage
| Service | Current scope | Condition |
|---|---|---|
| Stocks, ETFs and ETCs | Germany, Austria, France, Spain, Belgium, Denmark, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Norway, Poland, Portugal, Slovakia, Slovenia and the Netherlands | Individual eligibility applies; all features are not necessarily available in every listed marketSource 2 |
| Incoming portfolio transfers | Germany, Austria, Spain, Netherlands, Belgium, Portugal and Ireland account terms | The supported transfer list is narrower than the investing-country listSource 2 |
Platforms & products05
Platform and workflow
| Platform / route | Documented capability | Practical boundary |
|---|---|---|
| N26 mobile app | Discover, buy, sell, monitor and manage plans | Investment feature is not available in every N26 marketSource 2Source 1 |
| Fractional investing | Euro-based investments from €1 where supported | Fractional positions are not transferable to another brokerSource 2Source 1 |
| Portfolio Groups | Display organisation of holdings | Changing a group does not sell or rebalance the assetSource 2 |
The securities relationship is with Upvest Securities GmbH, Berlin commercial register HRB 232445 B. That company is distinct from Upvest GmbH and from Upvest’s UK entity. N26 supplies the app and transmits orders; the N26 Broker document index contains separate N26 and Upvest agreements.[2][7][10]
Fees & holding costs
Sections ↑Pricing & charges06
Primary pricing
| Cost layer | Published amount or basis | Scope and condition |
|---|---|---|
| Ordinary buy or sell | €0.90 | Stocks, ETFs and ETCsSource 1 |
| N26 Go allowance | 3 qualifying free trades monthly | Banking-plan subscription not included in this comparisonSource 1 |
| N26 Metal allowance | 10 qualifying free trades monthly | Banking-plan subscription not includedSource 1 |
| Savings-plan execution | €0 | Product costs and taxes remainSource 2Source 1 |
| Custody/holding | €0 | Does not remove underlying ETF/product costsSource 1 |
Pricing & charges07
Secondary and event-driven charges
| Item | Published treatment | When it matters |
|---|---|---|
| ETF/ETC product cost | Product-specific | Included in product documents or priceSource 1 |
| Third-party inducements | Can apply | Disclosed by N26/Upvest for the product routeSource 1Source 5 |
| Banking plan | Separate N26 plan price | Do not allocate the entire subscription to investing without considering banking benefitsSource 1 |
The fee page says existing investing customers will receive two months’ notice through Messages from N26 before the new pricing applies to them. The public €0.90 tariff and the Go/Metal allowances therefore do not establish an individual existing customer’s effective change date. Savings-plan execution remains free.[1]
Execution & trading rules
Sections ↑Specifications08
Orders and execution controls
| Instruction or situation | Documented operation | Consequence |
|---|---|---|
| Market-hours order | Sent for execution during supported session | Displayed quote is not guaranteedSource 2 |
| Off-hours order | Queued for next execution window | Price can change before executionSource 2 |
| Published dealing window | Monday–Friday, 08:00–21:00 CET | Security and exchange-specific exceptions/holidays applySource 2 |
| Savings-plan instruction | Automated on selected frequency | Failed funding can prevent executionSource 2 |
| Fractional execution | Fractional quantity under the service model | Transfer and voting treatment can differSource 2 |
Trading & service hours09
Sessions, exceptions and outages
| Issue | Published route | Operational implication |
|---|---|---|
| Unconfirmed instruction | Check app history and status before retrying | Avoid duplicate exposureSource 2 |
| Order or document query | Use N26 support and the Investments order history | Order history contains cost disclosures and execution confirmationsSource 2Source 4 |
| Cancel savings plan | Stops future scheduled buys | Existing securities remain in the accountSource 2 |
Deposits, withdrawals & transfers
Sections ↑Transfer terms10
Cash movements
| Route | Published operation | Restriction or timing |
|---|---|---|
| Purchase funding | Main account, Spaces or Instant Savings, as supported in the app | Available balance is required in the selected funding sourceSource 2 |
| Buy | Cash debited for order and fees | Sufficient available balance requiredSource 2 |
| Sale proceeds for reinvestment | Unsettled proceeds can offset a subsequent purchase | Only the unused balance subsequently settles back to the main accountSource 3 |
| Unused sale proceeds | Normally settle to the main account within two to three business days | N26 directs customers to an investment specialist through chat if the expected cash has not arrived after three business daysSource 3 |
Transfer terms11
Portfolio transfers and closure
| Action | Published position | Customer consequence |
|---|---|---|
| Incoming transfer | For customers under Germany, Austria, Spain, Netherlands, Belgium, Portugal or Ireland terms | Start under Investments settings → Transfer assets; supported provider and ISIN requiredSource 2 |
| Outgoing transfer | Use the receiving broker’s transfer form | Both providers must support the security; fractional holdings cannot transferSource 2 |
| Fractional remainder | Not transferable as a fraction | Customer may need to sell or retain until closureSource 2 |
| Closure | Resolve investments before closing the N26 banking relationship | Keep confirmations and tax recordsSource 2Source 5 |
Protection & regulation
Sections ↑Protections & eligibility12
Entity and protection boundaries
| Arrangement | Published arrangement | What it does not establish |
|---|---|---|
| N26 Bank SE | Banking relationship and order transmission | Bank regulation does not guarantee securities valueSource 5Source 8 |
| Upvest Securities GmbH | Execution and custody infrastructure | Role and protections follow the securities agreementSource 2Source 7 |
| Bank deposits | German statutory deposit protection up to €100,000 for eligible deposits | Does not cover stock/ETF market lossesSource 1Source 9 |
| Securities custody | Client asset rights under the Upvest/N26 terms | Not a return guarantee or bank depositSource 10Source 7 |
Opening an account & support
Sections ↑Official support and complaint routes
In-app supportWebsite
https://support.n26.com/en-eu/getting-started/other/how-to-contact-n26Source 4
Scope Open authenticated support for account-specific banking and investment questions.
Support centreWebsite
Legal and complaint informationWebsite
https://n26.com/en-eu/legal-documentsSource 5
Scope Current company, account, investment and complaint documents.
Broker service agreementsWebsite
https://n26.com/en-eu/legal-documents/brokerserviceSource 10
Scope Index of the separate N26 and Upvest customer agreements.
Additional services
Sections ↑Reference table13
Special services and operating conditions
| Service | What it adds | Condition or limit |
|---|---|---|
| Savings plans | Unlimited plans with weekly, fortnightly, monthly or three-monthly scheduling | Stocks, ETFs and ETCs; product expenses still applySource 2 |
| Plan free trades | Monthly allowances for Go and Metal | The banking-plan price remains separate from the included trading allowanceSource 1 |
| Portfolio transfer | Consolidate supported securities | Country and provider coverage is limitedSource 2 |
| Banking integration | Cash and investing in one app | Banking plan fees and investment fees are distinctSource 1Source 2 |
Company background & evidence
Sections ↑The facts14
Company and research context
| Measure | Value | Context |
|---|---|---|
| Bank | N26 Bank SE | Source 5 |
| Securities infrastructure | Upvest Securities GmbH | Source 2Source 7 |
| Launch | Product rollout began in 2024 and expanded by country | Source 6 |
| Selected terms refreshed | 2026-10-29 | Source 1Source 2 |
- Headquarters
- Berlin, Germany
- Founded
- N26 founded 2013; investing product rolled out from 2024
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
N26 Bank SE
No separate licence entry is recorded in this panel.
Additional Information
Sections ↑Reference table15
Checks before relying on a quoted condition
| Check | Why it matters |
|---|---|
| Check country availability | The product and transfer service are not universal across N26 marketsSource 1Source 2 |
| Separate bank and investment protection | The €100,000 deposit limit is not stock/ETF insuranceSource 1Source 9 |
| Free trade allowance | Plan subscription and investment usage must be compared togetherSource 1 |
| Settlement matters | Reinvestment buying power can arrive before cash is withdrawableSource 3 |
Sources & further reading
- N26 Stocks and ETFs product and pricing N26 · Accessed 29 Oct 2026
- How stocks and ETFs work at N26 N26 Support · Accessed 29 Oct 2026
- Buying power, settlement and withdrawals N26 Support · Accessed 29 Oct 2026
- Contacting N26 N26 Support · Accessed 16 Oct 2026
- N26 legal documents N26 · Accessed 29 Oct 2026
- N26 stock and ETF product launch N26 · 17 Jan 2024 · Accessed 16 Oct 2026
- Upvest company information: Upvest Securities GmbH Upvest · Accessed 29 Oct 2026
- BaFin company database Federal Financial Supervisory Authority · Accessed 16 Oct 2026
- German statutory deposit guarantee Entschädigungseinrichtung deutscher Banken · Accessed 16 Oct 2026
- N26 Broker service: current customer-document index N26 · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.