Revolut vs N26

Which innovative money app is right for you?

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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.

Revolut vs N26 in Germany

FeatureRevolutN26
Monthly fees
  • Standard: €0
  • Premium: €7.99
  • Metal: €13.99
  • Bank Account: €0
  • You: €9.90
  • Metal: €16.90
Mobile walletsApple Pay
Google Pay
Apple Pay
Google Pay
Global spending
  • Transfer money to 30 currencies at the interbank exchange rate (Standard account limit up to €1,000 per month, after which a 0.5% fee is charged)
  • Hold 16 currencies in your account
  • Spend in over 150 currencies at the interbank exchange rate
  • Free payments in any currency with conversion using the real exchange rate
  • Transfer money in 19 currencies using TransferWise
ATM withdrawals
  • Standard: Free up to €200 per month
  • Premium: Free up to €400 per month
  • Metal: Free up to €800 per month
  • 5 withdrawals per month for free in the Eurozone, €2 fee per withdrawal after
  • Free withdrawals at ATMs in other currencies for N26 You and Metal, €1.70 charge for N26 Bank account holders
Card deliveryUp to 9 working days for the Standard account and Up to 3 working days for Premium and Metal.Up to 10 working days
Savings functionVaults. No interest earned.Spaces. No interest earned.
Insurance optionsOverseas medical insurance with Premium plus delayed baggage and delayed flight insurance with Metal.Allianz insurance package with N26 You and Metal accounts.
Money managementMonthly budgets, spending notifications, Vault roundups, spending analytics and categorisation.Set daily spending limits, receive notifications for your account activity, tag your transactions to organise your account and have your spending automatically categorised.
Security
  • Lock and unlock your card
  • Customisable card security settings
  • Location-based security
  • Your money is not covered by the Financial Services Compensation Scheme but your funds are safeguarded at Barclays/Lloyd’s.
  • Lock and unlock your card
  • Real-time notifications for your account activity
  • Customisable card security settings
  • Fingerprint login
  • N26 bug bounty program to reward people catching bugs or vulnerabilities
  • Deposits up to €100,000 guaranteed by the German Bank compensation scheme
Extra featuresCryptocurrency exchange, cashback, donations and trading.The N26 app is available in several languages, a web app is available, you can print your transactions and the MoneyBeam feature lets you make instant transfers with your friends in the app.
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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

Compare a range of digital banks in Germany

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Comdirect Bank Current Account
€0
N/A
EUR
A free current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
Norisbank free current account
€0
5-7 working days
EUR

Receive €100 starting credit for a limited time*

Benefit from a €0 account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
N26 Bank Account
€0
Up to 10 working days
EUR
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Tomorrow
€0
3-5 business days
EUR
A free Visa debit card with free transactions across the globe and 3 withdrawals per month for free.
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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Fidor Smart Current Account
€5
N/A
EUR
A mobile current account with real-time notifications on your transactions. Includes a digital Mastercard with mobile payment and a Smart Banking app.
N26 You
€9.90
Up to 10 working days
EUR
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Tomorrow Zero
€15
3-5 business days
EUR
A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month
TARGOBANK Online-Account
€3.95
N/A
EUR
An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
bunq Travel card
€0
Up to working 10 days
EUR
A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.
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Please note these products are not licenced as banks. Check our product review pages for details.
Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Holvi Starter
€0
Up to 10 business days
EUR
An online account ideal for new businesses with €0 monthly fees and unlimited SEPA transfers. Includes a Holvi Business debit Mastercard.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
€1.65
3-5 business days
EUR
VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
Holvi Grower
€12
Up to 10 business days
EUR
A full online business account with unlimited SEPA transfers, unlimited invoicing and up to three Holvi Business Debit Mastercards.
Revolut Standard
€0
Up to 9 working days
GBP,SEK,PLN,CHF,DKK,NOK,USD,CZK,CAD,AUD,RON,EUR
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.
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