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Revolut vs N26 in Ireland

Which digital bank is right for you?

Revolut and N26 are two of Ireland’s newest banks. As digital banks, 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.

A quick review: Revolut and N26

Revolut

Revolut is a digital bank account and app that makes it easier to manage your money and spend it around the world. The main features of Revolut include allowing you to hold multiple currencies in your account, make international money transfers at the real exchange rate and get a simple view of your spending history with Revolut’s app. There are 4 account tiers to choose from including one free account tier. Plus, you can access the Revolut <18 account (formally Revolut Junior) for at least 1 child aged 6-17 years old with the lowest plan. Or create Revolut <18 accounts for up to 5 children with the Revolut Metal plan.

N26

N26 is also a digital bank account and app that offers four account tiers: N26 Standard, a free bank account, and N26 Smart, N26 You and N26 Metal that have monthly fees attached to them. You can hold Euros in the N26 app but you can exchange your money into any currency without being charged a fee. Depending on which account you choose, there are some limits for the number of free ATM Euro withdrawals you have each month – but N26 also lets you send, receive and request money from friends instantly and transfer money into 19 currencies using Wise.

Verdict

Overall, both Revolut and N26 offer great features for those looking for a new type of bank 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 if you want to make several free 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.

Revolut vs N26 in Ireland: a side-by-side comparison

Revolut Standard

N26 Bank Account

Revolut Standard

N26 Bank Account

OVERVIEW
Description

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.


Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of 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
Card delivery Up to 9 working days Up to 10 working days
Mobile wallets Apple Pay
Google Pay
Apple Pay
Google Pay
Supported currencies GBP
SEK
PLN
CHF
DKK
NOK
USD
CZK
CAD
AUD
NZD
HUF
BGN
GEL
RON
EUR
ZAR
TRY
SGD
SAR
RUB
MXN
JPY
ILS
HKD
HRK
QAR
THB
EUR
Free ATM withdrawals limit €200 per month 3 withdrawals per month
GLOBAL SPENDING
Currency conversion fee 0.5% 0%
Free currency conversion limit Up to €1,000 per month, after which a 0.5% fee is charged Unlimited
EXTRA FEATURES
Savings function Account with interest earned No
Benefits Payment notifications
Bill splitting
Spending categorisation
Fast transfers
Web app
Payment notifications
Bill splitting
Spending categorisation
Fast transfers
Web app
Learn more

Revolut Plus

N26 Smart

Revolut Plus

N26 Smart

OVERVIEW
Description

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.


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
Card delivery Up to 9 working days Up to 10 working days
Mobile wallets Apple Pay
Google Pay
Apple Pay
Google Pay
Supported currencies GBP
SEK
PLN
CHF
DKK
NOK
USD
CZK
CAD
AUD
NZD
HUF
BGN
GEL
RON
EUR
ZAR
TRY
SGD
SAR
RUB
MXN
JPY
ILS
HKD
HRK
QAR
THB
EUR
Free ATM withdrawals limit €200 per month 5 free withdrawals per month
GLOBAL SPENDING
Currency conversion fee 0.5% 0%
Free currency conversion limit Up to €1,000 per month, after which a 0.5% fee is charged Unlimited
EXTRA FEATURES
Savings function Account with interest earned No
Benefits Payment notifications
Spending categorisation
Cryptocurrency
Virtual cards
Fast transfers
Web app
Payment notifications
Bill splitting
Spending categorisation
Fast transfers
Web app
Choice of card colour
Learn more

Revolut Premium

N26 You

Revolut Premium

N26 You

OVERVIEW
Description

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.


A combined current account and IBAN account with unlimited free currency conversions and international transfers in many 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
Card delivery Express Up to 10 working days
Mobile wallets Apple Pay
Google Pay
Apple Pay
Google Pay
FitBit Pay
Supported currencies GBP
SEK
PLN
CHF
DKK
NOK
USD
CZK
CAD
AUD
NZD
HUF
BGN
GEL
RON
EUR
ZAR
TRY
SGD
SAR
RUB
MXN
JPY
ILS
HKD
HRK
QAR
THB
EUR
Free ATM withdrawals limit €400 per month 5 withdrawals per month
GLOBAL SPENDING
Currency conversion fee 0 0%
Free currency conversion limit Unlimited Unlimited
EXTRA FEATURES
Savings function Account with interest earned Account with interest earned
Benefits Payment notifications
Spending categorisation
Cryptocurrency
Virtual cards
Cashback
Fast transfers
Web app
Payment notifications
Bill splitting
Spending categorisation
Insurance covers
Fast transfers
Web app
Choice of card colour
Learn more

Revolut Metal

N26 Metal

Revolut Metal

N26 Metal

OVERVIEW
Description

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.


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
Card delivery Express Up to 10 working days
Mobile wallets Apple Pay
Google Pay
Apple Pay
Google Pay
Supported currencies GBP
SEK
PLN
CHF
DKK
NOK
USD
CZK
CNY
CAD
AUD
NZD
HUF
BGN
RON
EUR
ZAR
TRY
SGD
SAR
RUB
MXN
JPY
ILS
HKD
HRK
QAR
THB
EUR
Free ATM withdrawals limit €800 per month 8 withdrawals per month
GLOBAL SPENDING
Currency conversion fee 0 0%
Free currency conversion limit Unlimited Unlimited
EXTRA FEATURES
Savings function Account with interest earned Account with interest earned
Benefits Payment notifications
Bill splitting
Spending categorisation
Cryptocurrency
Virtual cards
Lounge access
Insurance covers
Cashback
Fast transfers
Web app
Choice of card colour
Payment notifications
Spending categorisation
Virtual cards
Fast transfers
Web app
Exclusive offers
Choice of card colour
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.

Compare a range of digital banks in Ireland

1 - 3 of 3
Name Product Mobile view decorator DBS Monthly Fee Free ATM withdrawal limit Supported currencies
N26 Bank Account
  • Monthly fee

    €0

  • Free ATM withdrawal

    3 withdrawals per month

  • Supported currencies

    1

€0
3 withdrawals per month

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wise Multicurrency Account
  • Monthly fee

    €0

  • Free ATM withdrawal

    2 withdrawals up to €200 per month

  • Supported currencies

    19

€0
2 withdrawals up to €200 per month

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 Standard
  • Monthly fee

    €0

  • Free ATM withdrawal

    €200 per month

  • Supported currencies

    28

€0
€200 per month

28

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.

Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
loading

Compare up to 4 providers

1 - 7 of 7
Name Product Mobile view decorator DBS Monthly Fee Free ATM withdrawal limit Supported currencies
Revolut Premium
  • Monthly fee

    €7.99

  • Free ATM withdrawal

    €400 per month

  • Supported currencies

    28

€7.99
€400 per month

28

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.

A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
Money Jar Prepaid Mastercard
  • Monthly fee

    €2.99

  • Free ATM withdrawal

    N/A

  • Supported currencies

    1

€2.99
N/A

1

Exclusive offer: Sign up through Finder and receive 6 months of no service fees with MoneyJar. Ts&Cs apply.


Spend only what you have with the Money Jar prepaid Mastercard, which allows you to make mobile, online and POS purchases.
N26 Smart
  • Monthly fee

    €4.90

  • Free ATM withdrawal

    5 free withdrawals per month

  • Supported currencies

    1

€4.90
5 free withdrawals per month

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Revolut Plus
  • Monthly fee

    €2.99

  • Free ATM withdrawal

    €200 per month

  • Supported currencies

    28

€2.99
€200 per month

28

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
N26 Metal
  • Monthly fee

    €16.90

  • Free ATM withdrawal

    8 withdrawals per month

  • Supported currencies

    1

€16.90
8 withdrawals per month

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
N26 You
  • Monthly fee

    €9.90

  • Free ATM withdrawal

    5 withdrawals per month

  • Supported currencies

    1

€9.90
5 withdrawals per month

1

A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Revolut Metal
  • Monthly fee

    €13.99

  • Free ATM withdrawal

    €800 per month

  • Supported currencies

    28

€13.99
€800 per month

28

Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months.

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
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Compare up to 4 providers

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