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Die kostenlosen Konten von Wise und Revolut im Vergleich. Beide sind für Auslandsüberweisungen und -zahlungen gut geeignet.
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N26 vs bunq
N26 and bunq are two big names in the world of 'challenger banks', but how do they compare?
Digital banks like N26 and bunq have disrupted the world of banking in recent years. It’s easy to see why given their suite of convenient features, low fees and easy-to-use apps. At the same time, traditional banks continue to struggle with slow and laborious online banking processes.
Read on to compare the current accounts offered by two of the major ‘challenger banks’.
A quick review: N26 and bunq
N26 offers digital bank accounts that are accessible on your smartphone as well as personal and bank accounts. Its current account options include the N26 Account (its free account option), N26 You and N26 Metal. N26 is originally from Germany but is currently available in a number of countries throughout Europe and the US. It was founded in Berlin in February 2013 and originally called Number 26.
bunq is an app-based digital bank that is available throughout Europe. It was founded in the Netherlands in 2015 and it still has its headquarters in Amsterdam today. bunq offers personal and business products, with its personal accounts including an Easy Bank card, Easy Money card and an Easy Green card. It also offers a free savings account where you can earn up to 0.09% on your balance.
Breakdown of N26 vs bunq in Germany
N26 Standard |
bunq Easy Bank Personal |
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| OVERVIEW | ||
| Description | Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save. | Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account. |
| Monthly fees: | 0 € | 2.99 € |
| Joint accounts | No | No |
| FEES | ||
| Card fee | 10 € | 9.99 € |
| ATM withdrawals | 3 withdrawals per month | N/A |
| Fee-free currency conversion limit | Unlimited | |
| EXTRA FEATURES | ||
| Security | Deposit protection Triple layer of security in the app PIN required in each transaction Real-time notifications Payments protected against fraud; loss or theft PIN protected Cards |
Lock and unlock your phone Virtual cards PIN required in each transaction Real-time notifications PIN protected Cards |
| Benefits | Payment notifications Bill splitting Spending categorisation Virtual cards Fast transfers Web app |
Payment notifications Bill splitting Virtual cards Fast transfers Web app |
| Interest earning accounts | Account with no interest earned |
Account with no interest earned |
| Learn more |
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N26 You |
bunq Easy Money Personal |
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| OVERVIEW | ||
| Description | A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad. | A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees. |
| Monthly fees: | 9.90 € | 8.99 € |
| Joint accounts | No | Yes |
| FEES | ||
| Card fee | 0 € | 9.99 € |
| ATM withdrawals | 5 withdrawals per month | 4 withdrawals per month |
| Fee-free currency conversion limit | Unlimited | N/A |
| EXTRA FEATURES | ||
| Security | Lock and unlock your phone Enable and disable types of transactions Deposit protection Triple layer of security in the app PIN required in each transaction Real-time notifications |
Set card limits PIN required in each transaction Card blocking function Real-time notifications European banking license |
| Benefits | Payment notifications Bill splitting Spending categorisation Virtual cards Insurance covers Web app Exclusive offers Dedicated customer support Choose your card colour |
Payment notifications Virtual cards Fast transfers Web app Open multiple bank accounts |
| Interest earning accounts | Account with no interest earned |
Account with interest earned |
| Learn more |
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N26 Metal |
bunq Easy Green Personal |
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| OVERVIEW | ||
| Description | Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers. | An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend. |
| Monthly fees: | 16.90 € | 17.99 € |
| Joint accounts | Yes | Yes |
| FEES | ||
| Card fee | 0 € | 9.99 € |
| ATM withdrawals | 8 withdrawals per month | First 4 withdrawals per month |
| Fee-free currency conversion limit | Unlimited | Unlimited |
| EXTRA FEATURES | ||
| Security | Lock and unlock your phone Virtual cards Enable and disable types of transactions Deposit protection Triple layer of security in the app PIN required in each transaction Real-time notifications PIN protected Cards |
PIN required in each transaction Card blocking function Real-time notifications European banking license |
| Benefits | Payment notifications Bill splitting Spending categorisation Insurance covers Web app Exclusive offers Dedicated customer support Choose your card colour |
Payment notifications Spending categorisation Fast transfers Web app |
| Interest earning accounts | Account with no interest earned |
Account with interest earned |
| Learn more |
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*We selected products from each provider that were the most comparable. You can find all available products on our review pages as well as the provider’s website.
The Verdict
There isn’t a lot to distinguish between these two digital-only banks in terms of their apps. Both bunq and N26 offer slick graphics and spending insights, categorising your transactions with ease and showing you where your spending is going. Both also give you the chance to create sub-accounts where you can keep money for a specific savings goal. N26 has Spaces, while bunq has Savings Goals. bunq also offers a separate savings account option — bunq Easy Savings — with a monthly return of 0.09%.
The fact that bunq pays an interest rate of 0.27% may separate it from other ‘challenger banks’ like N26, but some will feel this is overshadowed by its monthly account charges. Additionally, N26 offers special features like lines of credit to users in Germany and the fact it has a Berlin office might be more appealing to German users. For these reasons, we think N26 narrowly edges out its competitor.
Looking for more options? Compare a range of digital banks in Germany
Please note these products are not licenced as banks. Check our product review pages for details.
Video: Alex Weber, head of international markets, on why N26 is different
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