Invest in your future

N26 offers over 100 ETFs in a variety of categories, including those tracking MSCI World, MSCI Emerging Markets or the S&P 500. We’ll continue to offer more ETFs as time goes on.

N26 offers over 200 stocks in a variety of categories. We’ll continue to offer more stocks as time goes on.

Your purchases, sales, and portfolio with N26 are protected and secured. However, because stocks and ETFs include a wide range of securities that fluctuate with the market, we cannot guarantee returns or prevent losses.

ETFs are a basket of securities, and are traded on the stock market just like individual stocks. This means that prices fluctuate all the time, and N26 has no influence on the wins or losses in your portfolio. Diversification can reduce risks by spreading out investments across different financial assets rather than concentrating it all in one asset. Your deposits at N26 are protected up to €100,000 by the German Deposit Protection Scheme.

Every investment strategy is different, so there’s no governing principle on how to choose the right stock or ETF. In the N26 app, you’ll find detailed information on each stock and ETF we have on offer. Plus, our blog features helpful articles on investing in stocks and ETFs.

What you pay for an ETF is known as the “market price” — which is determined based on how many people want to buy or sell that ETF at a given time. The market price should be closely aligned with an ETF’s net asset value (NAV). This figure is calculated daily by adding up all the ETF’s assets and cash holdings, subtracting any liabilities, and then dividing by the number of outstanding shares. This may sound confusing, but the point of NAV is to serve as a reference point for people interested in purchasing shares of the ETF, ensuring that they’re paying a fair price.

To get more granular, investors may also reference the ETF’s intraday net asset value iNAV, which is measured throughout the day to keep up with price fluctuations. This figure is a more accurate measure to compare with the market value of the ETF you’re looking to buy, but it may not directly reflect the price you actually pay, as that figure may rise or fall depending on how high or low demand is.

A share price is the price of a single share of a number of saleable equity shares of a company. In simple terms, the stock price is the highest amount someone's willing to pay for the stock, or the lowest amount that it can be bought for.

For every trade — meaning every purchase or sale — of a stock or ETF with N26, you’ll pay a fee of €0.90, as well as the specific ETF management fee, if applicable. N26 Metal customers get 15 free trades every month. N26 You customers get 5 free monthly trades.

If you sell all or a portion of your stocks or ETFs portfolio and earn a profit, those earnings are considered capital gains. In Austria, stocks and ETFs are subject to capital gains tax (KESt) of 27.5%. However, not only profits made in the course of a sale are taxed here, but also dividends, regardless of whether they are distributed or accumulated. The capital gains tax is usually withheld by the bank or brokerage and paid to the tax office directly.

When trading ETFs, you should also consider additional costs you might incur. At N26, you’ll never pay more than €0.90 cents per trade. However, when a sale is made, additional costs may be incurred by depository providers, also known as ‘order fees.’ Depending on the trading establishment, costs such as the trading margin (spread) or a (stock broker) commission may also be charged. The TER (Total Expense Ratio) are also ‘hidden’ costs that are part of trading ETFs. The TER states how many percentage points the running costs of a fund or ETF reduce your return per year. This includes the costs for administration and distribution of your chosen ETF. So, even if you don't see these costs deducted directly, be aware that trading ETFs may incur higher costs than what you see at first glance.

Absolutely. Our selection of stocks and ETFs will continue to expand across categories. Stay tuned!

At the moment, our stocks and ETFs product is only available to customers in Germany and Austria. In the coming months, we'll expand this offer to different countries — so check for email updates or follow us on social media!

This feature isn't available yet, but we’re working to make it possible soon.