Related: Digital banks in Canada
N26 Canada alternatives
N26 isn't available in Canada, but these are some of the best alternatives.
N26 is a digital bank that offers a no-fee chequing account and a high-interest savings account. It’s easy to manage your money via the N26 mobile app, and N26 is available in several European Union countries. But given its competitive offerings, many Canadians are wondering if they can open an account with N26 bank.
Is N26 available in Canada?
No. Unfortunately, N26 is not available in Canada. The bank has never entered the Canadian market, and has not revealed plans to expand into Canada just yet.
That said, there are several N26 Canada alternatives that offer similar products and features—keep reading for a breakdown of what each one offers, including similarities to N26.
Top N26 Bank alternatives in Canada
If you’re searching for a chequing account, savings account or even a multi-currency account, check out these six N26 Canada alternatives.
What is N26 Bank?
N26 is a digital bank based in Germany. Founded in 2013, it’s a fully licensed bank that offers a free bank account for managing your day-to-day transactions. The account comes with a linked debit Mastercard for in-store and online spending. N26 also offers a savings account that pays between 1.7% and 3% interest, depending on the plan you choose.
You can manage your N26 account via app, available for Android and iOS. You can also use the app to buy and sell cryptocurrencies and, in some countries, invest in stocks and ETFs. 24/7 chat support is available if you have a problem or question about your account.
Which countries have N26 Bank?
While N26 Bank is not available in Canada, it is available in the following countries:
- Austria
- Belgium
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Netherlands
- Norway
- Poland
- Portugal
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
N26 bank account options
N26 is not available in Canada, but people in the European countries listed above can sign up for the following N26 bank accounts:
- N26 Bank Account. Designed to handle everyday banking transactions, this account has no minimum balance requirement and comes with a debit Mastercard. It supports three free euro ATM withdrawals per month and has no monthly fee in standard form. But you can upgrade to a paid plan to access more features.
- N26 Instant Savings Account. Provided through the N26 app, the Instant Savings Account is designed to provide easy access to funds when needed. It typically pays anywhere from 1.5% to around 3% on its four account plan tiers: The Standard (no monthly fee) plan, the Smart plan, the You plan and the Metal plan. Besides the free Standard plan, other plans typically cost between €5 to €17 per month.
Does N26 offer a credit card?
N26 does not offer a credit card. All of its bank cards are debit Mastercards.
If you’re searching for a credit card from the N26 Canada alternatives listed above, you may want to consider the following options:
- Neo Mastercard
- Neo Secured Credit Card
- Simplii Cash Back Visa
- Tangerine World Mastercard
- Tangerine Money-Back Credit Card
Does N26 offer a banking app?
Yes, as a digital bank, N26’s mobile banking app is one of its key features. The app is designed to make it easy to manage your money, and you can use it to send transfers, check balances, lock your card, set spending limits and more.
You’ll find similar features in the mobile banking apps of many Canadian banks, including the N26 bank alternatives listed above. One key area where our alternatives differ is that N26 does not allow you to deposit cheques, but some providers like EQ Bank and Tangerine accept cheque deposits via mobile app.
N26 reviews: What do customers think?
There are plenty of positive N26 customer reviews online, but the German bank has received some mixed feedback.
Customers who left positive N26 reviews mentioned factors like the ease of opening an account, the user-friendly mobile app and the absence of fees. Customers who left negative reviews often complained about poor customer service.
Unfortunately, mixed or even overwhelmingly negative reviews are quite common for Canadian banks. The Big Five all have Trustpilot scores of two stars or less, while N26 ratings are higher than ratings for providers like Tangerine, EQ Bank, Simplii Financial, Neo Financial and KOHO. But Wise has a solid review score of 4.3/5 based on over 234,000 ratings.
| Review site | N26 rating |
|---|---|
| Trustpilot | 3.8/5 stars based on over 31,600 N26 reviews |
| Google Play | 4/5 stars based on over 137,000 N26 reviews |
| iOS Apple App Store | 4.6/5 stars based on over 9,400 N26 reviews |
Reviews last verified October 2, 2024.
N26 vs. Wise
N26 does not offer a multi-currency account, but Wise does. With a Wise account, you can send and hold 40 currencies plus use your debit card to spend in 160 countries and avoid foreign transaction fees.
Wise also specializes in international money transfers, allowing you to send money to over 75 countries around the world at the mid-market exchange rate.
This is where there’s some crossover between N26 and Wise. You can send an international transfer from your N26 account in 35 currencies, but its transfer service is actually offered through a partnership with Wise.
N26 vs. Revolut
The key similarity between N26 and Revolut is that neither is available in Canada. Revolut is a UK-based digital money app that offers a multi-currency account with a linked debit card. It lets you spend money in over 150 countries, send international money transfers and invest in stocks and crypto.
But while Revolut was previously available in Canada, it withdrew its Canadian product offerings in 2021. So if you’re looking for apps like Revolut, check out our guide on eight Revolut alternatives in Canada.
Bottom line
You can’t open an N26 bank account in Canada. But there are plenty of viable alternatives that offer similar account features. Compare the N26 Canada alternatives profiled above to find the right bank account for you.
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