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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 three account tiers to choose from including one free account tier.

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.

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

Revolut Standard

N26 Bank Account

Revolut Standard

N26 Bank Account

OVERVIEW
Description 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 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 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 Up to 3 working days 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 0.5% 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 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 Up to 3 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
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 0.5% 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.

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.

For a better idea of both accounts, read the full review of Revolut here and N26 here.

Compare a range of digital banks in Ireland

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
N26 Bank Account
€0
3 withdrawals per month
EUR
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
VIALET Current Account
€0
N/A
EUR
An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
Revolut Standard
€0
€200 per month
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
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
Wise Multicurrency Account
€0
2 withdrawals up to €200 per month
GBP, SEK, PLN, CHF, DKK, NOK, USD, CZK, CNY, CAD, AUD, NZD, AED, UAH, HUF, BGN, RON, EUR, SGD
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.
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Compare up to 4 providers

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
Wirex Multi-Currency Card
€1.20
up to £400 per month
GBP, CHF, CZK, CAD, AUD, EUR, SGD, MXN, JPY, HKD

Get a Welcome Bonus of 1,000 WXT when you sign up with Wirex through Finder.

A multicurrency account that lets you spend abroad in over 150 currencies and an array of supported cryptocurrencies.
Revolut Premium
€7.99
€400 per month
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
A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
bunq easyMoney Personal
€7.99
10 withdrawals per month, after which a €0.99 fee applies
EUR
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.
N26 Smart
€4.90
5 free withdrawals per month
EUR
A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
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Compare up to 4 providers

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
bunq easyTravel Personal
€2.99
10 per month
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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Compare up to 4 providers

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