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Revolut vs N26

Which innovative money app is right for you?

Revolut and N26 are two of German’s newest ways to manage your money. As finance apps, they both offer similar features such as low-cost global spending, money management tools and a smartphone app to keep an eye on your account. But which account is better suited to you? We compare Revolut and N26 side by side so you can see how they stack up and decide which one is better for you.

Quick review: Revolut and N26

Revolut is a global finance app that allows you to spend and manage your money in multiple currencies with little to no fees. The card and app offer various features including a combined UK and IBAN account, the ability to spend abroad in over 150 currencies at the interbank exchange rate, commission-free stock trading from €1 and money transfers in 30 currencies worldwide.

N26, called Number 26 when it launched in Berlin in 2013, is also a digital bank account and app. It’s available throughout Europe and now the US. You’re able to choose from three account tiers: the N26 Account (its free option), N26 You and N26 Metal. All three account options let you hold Euros in your account but you are able to exchange them into any currency for no fee. You’re also able to send, receive and request money from friends and transfer money in up to 19 currencies using Transferwise. N26 gives you spending insights and a feature called Spaces that helps you save for your goals.

Breakdown of Revolut vs N26 in Germany

Revolut Standard

N26 Standard

Revolut Standard

N26 Standard

OVERVIEW
Description Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account. Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Monthly fees: 0 € 0 €
Joint accounts No No
FEES
Card fee 0 € 10 €
ATM withdrawals 200 € per month or 5 withdrawals 3 withdrawals per month
Fee-free currency conversion limit Up to 1.000 £ per month, after which a 0.5% fee is charged Unlimited
EXTRA FEATURES
Security Virtual cards
Deposit protection
Triple layer of security in the app
Card blocking function
Real-time notifications
European banking license
Payments protected against fraud; loss or theft
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
Benefits Payment notifications
Bill splitting
Spending categorisation
Budgeting
Payment notifications
Bill splitting
Spending categorisation
Virtual cards
Fast transfers
Web app
Interest earning accounts Account with no interest earned
Account with no interest earned
Learn more

Revolut Plus

N26 Smart

Revolut Plus

N26 Smart

OVERVIEW
Description Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan. A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Monthly fees: 2.99 € 4.90 €
Joint accounts No No
FEES
Card fee 0 € 0 €
ATM withdrawals 200 € per month 5 withdrawals per month
Fee-free currency conversion limit Up to 1.000 £ per month, after which a 0.5% fee is charged Unlimited
EXTRA FEATURES
Security Lock and unlock your phone
Deposit protection
Triple layer of security in the app
PIN required in each transaction
Card blocking function
Real-time notifications
European banking license
Payments protected against fraud; loss or theft
Triple layer of security in the app
PIN required in each transaction
Card blocking function
Real-time notifications
PIN protected Cards
Benefits Payment notifications
Bill splitting
Spending categorisation
Cryptocurrency
Fast transfers
Web app
Budgeting
Choose your card colour
Payment notifications
Bill splitting
Spending categorisation
Web app
Budgeting
Exclusive offers
Choose your card colour
Interest earning accounts Account with interest earned
Account with interest earned
Learn more

Revolut Premium

N26 You

Revolut Premium

N26 You

OVERVIEW
Description A combined current account and IBAN account with unlimited free currency conversions and international transfers in over 25 currencies. A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Monthly fees: 7.99 € 9.90 €
Joint accounts No No
FEES
Card fee 0 € 0 €
ATM withdrawals 400 € per month 5 withdrawals per month
Fee-free currency conversion limit Unlimited Unlimited
EXTRA FEATURES
Security Virtual cards
Card blocking function
Real-time notifications
European banking license
Payments protected against fraud; loss or theft
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
Benefits Payment notifications
Bill splitting
Spending categorisation
Cryptocurrency
Virtual cards
Lounge access
Insurance covers
Dedicated customer support
Choose your card colour
Payment notifications
Bill splitting
Spending categorisation
Virtual cards
Insurance covers
Web app
Exclusive offers
Dedicated customer support
Choose your card colour
Interest earning accounts Account with interest earned
Account with no interest earned
Learn more

Revolut Metal

N26 Metal

Revolut Metal

N26 Metal

OVERVIEW
Description A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more. Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Monthly fees: 13.99 € 16.90 €
Joint accounts No Yes
FEES
Card fee 0 € 0 €
ATM withdrawals 800 € per month 8 withdrawals per month
Fee-free currency conversion limit Unlimited Unlimited
EXTRA FEATURES
Security Deposit protection
Real-time notifications
European banking license
Payments protected against fraud; loss or theft
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
Benefits Payment notifications
Bill splitting
Spending categorisation
Cryptocurrency
Virtual cards
Lounge access
Insurance covers
Cashback
Concierge
Budgeting
Choose your card colour
Payment notifications
Bill splitting
Spending categorisation
Insurance covers
Web app
Exclusive offers
Dedicated customer support
Choose your card colour
Interest earning accounts Account with interest earned
Account with no interest earned
Learn more
*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.

Revolut or N26?

Overall, both Revolut and N26 offer great features for those looking for a new type of account. Both offer low-cost money transfers, security features such as being able to customise your card security settings or lock and unlock your card, and money management features such as spending categorisation.

However, there are some key differences that can make one account better suited to you.

Revolut is the better option if you are looking to hold multiple currencies in your app, exchange cryptocurrencies or make more than 5 ATM withdrawals per month. N26 is the app to go with if you prefer to do some of your banking on your computer, log in with your fingerprint, transfer money to friends easily or want the security of your deposits to be protected by the German Bank compensation scheme.

Something else to keep in mind is the price: while both offer free accounts, Revolut’s paid accounts are slightly cheaper

Looking for more options? Compare a range of digital banks in Germany

Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Commerzbank Free current account
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
Nuri Bank Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 14 days

1

Receive €10 when you apply for a Nuri bank account and card. T&C applies

A unique bank account and crypto-wallet managed through a user-friendly app with real-time spending notifications. Includes a free digital Mastercard.
N26 Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 10 working days

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Vivid Standard
  • Management Fee

    0 €

  • Card delivery

    4-5 days

  • Supported currencies

    1

  • Mobile payments

0 €
4-5 days

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 20€ cashback per month.
1822MOBILE Current Account
1822MOBILE Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Openbank Free Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
DKB-Cash: Free current account
  • Management Fee

    0 €

  • Card delivery

    Up to 7 business days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 7 business days

1

A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
  • Management Fee

    0 €

  • Card delivery

    5 to 7 working days

  • Supported currencies

    1

  • Mobile payments

0 €
5 to 7 working days

1

Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Commerzbank StartKonto
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
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Compare up to 4 providers

Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Comdirect Bank Current Account
  • Management Fee

    4.90 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

4.90 €
N/A

1

A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Metal
  • Management Fee

    16.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

16.90 €
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Tomorrow Now
  • Management Fee

    3 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

3 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and N/A for free.
TARGOBANK Online-Account
  • Management Fee

    3.95 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

3.95 €
N/A

1

An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
bunq Easy Green Personal
  • Management Fee

    17.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

17.99 €
Up to working 10 days

19

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
N26 Smart
  • Management Fee

    4.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

4.90 €
Up to 10 working days

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Tomorrow Change
  • Management Fee

    7 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

7 €
3-5 business days

1

Manage your shared finances conveniently with Tomorrow’s mid-tier plan. Benefits include multiple sub-account, fee-free monthly cash withdrawals and more.
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Please note these products are not licenced as banks. Check our product review pages for details.
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Revolut Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    27

  • Mobile payments

0 €
Up to 9 working days

27

Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account.
Wise Multicurrency Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 working days

  • Supported currencies

    19

  • Mobile payments

0 €
Up to 14 working days

19

Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Plus
  • Management Fee

    2.99 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    25

  • Mobile payments

2.99 €
Up to 9 working days

25

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
Wirex Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

0 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
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