Your money organized
Spaces is N26's most famous tool. And it's worth the fame. It's the one to help you separate and organize your money in practice, the way you want to.
Like sub-accounts. But Spaces
Imagine creating spaces within your account and putting money into them - to organize, save or just to get daily interest. You can have several spaces and make new ones or delete the old ones when your goals change. The money stays there and you can take it whenever you want to (or need to).
Plans ou bills? Both
What is Spaces for? Well, think of a space just for doing groceries. Another one for regular bills. What are your plans? A new car? Space. Vacations? Space. Weekend barbecue? Space too.
Yep, we have overnight yield
Within each space your money yields from 100% to 200% of the CDI with Modo N. You just need to leave more than R$35 (on average) and see the amount increasing every business day, with no IOF charge.
Modo N, your way to make it worth it
An unique benefit: for every R$100 paid on the credit card bill, you get +1% of the CDI on Spaces, up to 200%. It's your daily usage making your money yield more. It's our way to empower a more balanced financial life.
More space for you
Just drag and drop
Transfer money from your main account to a space (or between spaces) whenever you want. Just drag from where the money will come and drop where it goes. Then you set the value and that's it.
Organize your day
Use Spaces to organize money for regular expenses or save for future plans. Each space created is part of your fincare routine. A great first step.
Your goals organized
We have different goals in life, right? Survive, save money for a trip, or maybe just a weekend party. In the app, in Spaces, you can see all tour goals together and organized. Everything in its space.