N26 launches Joint Accounts in 21 new European markets

abdelaziz Fathi

Berlin-based banking startup N26 is introducing its Joint Accounts in 21 additional markets, enabling customers to manage their finances alongside a partner. This feature allows N26 users to handle both individual and shared financial matters within the N26 app at no extra cost.


N26 said the expansion simplifies budgeting, expense tracking, and collaborative financial goal achievement for couples.

The Joint Accounts feature will now be accessible to customers in Austria, Belgium, Denmark, Estonia, Finland, Greece, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

With a user-friendly interface, N26 customers across all personal membership tiers, including the free N26 Standard, can create Joint Accounts directly within the N26 app with just a few taps. The feature provides transparent expense filtering by participant and facilitates the monitoring of joint monthly budgets. Moreover, smart insights and full legal ownership for both participants ensure safety and transparency.

Each N26 customer can establish one Joint Account, with a maximum of two participants per account. Every Joint Account is equipped with its own dedicated IBAN to streamline the management and division of shared expenses such as rent payments or household expenditures. Furthermore, the Joint Account can be conveniently linked to both customers’ personal virtual or physical cards within the N26 app for everyday banking activities.

Valentin Stalf, Founder and CEO of N26, stated “N26 customers can open a Joint Account with their partner or loved one in just a few taps, without complexity or tedious paperwork. This way, our customers can easily manage their personal and shared finances within the N26 app, while building healthy financial habits and achieving their financial goals together.”

N26’s Joint Accounts complement its existing Shared Spaces feature, which enables premium subscription customers to create shared sub-accounts with close contacts without the long-term commitment of a joint bank account. Shared Spaces facilitate budgeting for holidays, leisure activities, expense splitting with roommates, or shared large purchases, with the owner of the Shared Space maintaining legal ownership of the funds within it.

The move comes barely a month after N26 introduced its Instant Savings accounts to an additional 13 European countries. Interest rates for the Instant Savings accounts are tiered, depending on the type of N26 account held by the customer. N26 Metal customers will benefit from a 4% annual interest rate, while N26 Smart, You, or the standard free account holders will receive a 2.8% interest rate on their savings.

The expansion of the Instant Savings account is part of N26’s strategy to go beyond conventional banking services. The product is designed to offer more than just everyday banking solutions, with a focus on providing tools and services that help users grow their financial assets.

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