About Neo196

Neo196 is building a saving-first banking experience for people aged 18–28 in Germany. Our idea is simple: make saving as easy to understand as spending, without encouraging buying on credit.

See what room you really have each month. Choose a realistic saving rule. Understand what it could become over time. If life changes, reduce or pause for a month—without a lecture.

Freeze for Future You is our brand promise, not a promise to lock your money away. We want to give you more choice, clearer explanations and neutral insights into everyday spending.

We are in development and do not currently accept deposits. Before launch, we will publish the banking provider, applicable protection, data permissions, fees and terms.