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Revolut vs N26 in the Netherlands

Comparing two digital bank titans to help you find the best one for you.

Revolut and N26 are both digital banks that are available in the Netherlands. Both of these digital bank titans offer easy digital payments, smart money tools and low platform fees to help you transact seamlessly. But which of these platforms could be best for you?

This article does a side-by-side comparison of N26 and Revolut’s fees and features to help you figure out which could be the best digital bank provider for you.

Quick review: Revolut vs N26

Revolut is a digital bank app that provides a world of payments, currency conversion and purchasing solutions. Its accounts come in three different tiers, with the most basic tier starting at €0 per month. Regardless of which account type you choose, Revolut users in the Netherlands may enjoy a free IBAN account and Revolut card for easy payments. You can spend in over 150 currencies and exchange 29 fiat currencies with Revolut.

N26 is another popular digital bank provider in the Netherlands. Similar to Revolut, its accounts are offered in 3 varying tiers, with the first tier being a free standard account. N26 accounts come with an array of features including spending insights, security features and savings Spaces. N26 users in the Netherlands may also enjoy a Mastercard, fee-free ATM withdrawals in Euros and free payments regardless of currency.

Revolut vs N26 in the Netherlands

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 the ability to hold up to 16 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.
Supported devices: iPhone
Android
iPhone
Android
Savings function Interest earned
No
Insurance Overseas medical
Baggage delay
Flight delay
Winter sports
Car rental

Purchase protection
Overseas medical
Baggage delay
Flight delay
Baggage loss
Trip cancellation
Trip curtailment
Winter sports
Car rental

Purchase protection
Mobility
Customer Support In-app
In-app
Web-based chatbot
Benefits Bill splitting
Spending categorisation
Bill splitting
Spending categorisation
Fast transfers
Web app
SPEED
Card delivery Up to 9 working days Up to 10 working days
FEES
Monthly fee € 0 € 0
SEPA transfers € 0 € 0
International transfers € 5
ATM fee € 1 € 2
FEE-FREE LIMITS
ATM withdrawals free limit €200 per month 3 withdrawals per month
No-fee currency conversion limit 0% 0%
Free international transfer limit N/A N/A
Security
Security Card freeze feature
Real-time notifications
Customisable card security settings
Location-based security
Deposit protection
2FA authentication
Card freeze feature
Real-time notifications
Customisable card security settings
Deposit protection
2FA authentication
Fingerprint login
Bug bounty program
Learn more

Revolut Plus

N26 Smart

Revolut Plus

N26 Smart

OVERVIEW
Description A Revolut Plus account gives you the security of all your online purchases with the purchase guarantee, interest on your savings, and many more extras for just a small amount per month A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Supported devices: iPhone
Android
iPhone
Android
Savings function Interest earned
No
Insurance N/A
N/A
Customer Support In-app
In-app
Web-based chatbot
Benefits Multicurrency account
Payment notifications
Bill splitting
Fast transfers
Web app
Payment notifications
Bill splitting
Spending categorisation
Web app
Choice of card colour
SPEED
Card delivery Up to 9 working days Up to 10 working days
FEES
Monthly fee € 2.99 € 4.95
SEPA transfers € 0 € 0
International transfers € 5
ATM fee € 1 € 2
FEE-FREE LIMITS
ATM withdrawals free limit € 200 per month 5 withdrawals per month
No-fee currency conversion limit 0.5% 0%
Free international transfer limit N/A
Security
Security Card freeze feature
Real-time notifications
Location-based security
Deposit protection
2FA authentication
Card freeze feature
Real-time notifications
Deposit protection
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 30 currencies. A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Supported devices: iPhone
Android
iPhone
Android
Savings function Interest earned
No
Insurance Overseas medical
Baggage delay
Flight delay
Winter sports
Car rental
Purchase protection
Overseas medical
Baggage delay
Flight delay
Baggage loss
Trip cancellation
Trip curtailment
Winter sports
Car rental

Purchase protection
Mobility
Phone
Customer Support In-app
In-app
Web-based chatbot
Benefits Bill splitting
Lounge access
Insurance covers
Concierge
Fast transfers
Web app
Bill splitting
Insurance covers
Web app
SPEED
Card delivery Up to 3 working days Up to 10 working days
FEES
Monthly fee € 7.99 € 9.90
SEPA transfers € 0 € 0
International transfers € 5
ATM fee € 1 € 2
FEE-FREE LIMITS
ATM withdrawals free limit €400 per month 5 withdrawals per month
No-fee currency conversion limit 0% 0%
Free international transfer limit 1 per month N/A
Security
Security Card freeze feature
Real-time notifications
Customisable card security settings
Location-based security
Deposit protection
2FA authentication
Card freeze feature
Real-time notifications
Customisable card security settings
Deposit protection
2FA authentication
Fingerprint login
Bug bounty program
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, exclusive offers, and great rates and fees.
Supported devices: iPhone
Android
iPhone
Android
Savings function Interest earned
No
Insurance Overseas medical
Winter sports
Car rental
Purchase protection
Overseas medical
Baggage delay
Flight delay
Baggage loss
Trip cancellation
Trip curtailment
Winter sports
Car rental
Mobility
Phone
Customer Support In-app
In-app
Web-based chatbot
Benefits Spending categorisation
Lounge access
Insurance covers
Concierge
Fast transfers
Web app
Bill splitting
Spending categorisation
Web app
Exclusive offers
Dedicated customer support
SPEED
Card delivery Up to 3 working days Up to 10 working days
FEES
Monthly fee € 13.99 € 16.90
SEPA transfers € 0 € 0
International transfers € 5
ATM fee € 1 € 2
FEE-FREE LIMITS
ATM withdrawals free limit €800 per month 8 withdrawals per month
No-fee currency conversion limit 0% 0%
Free international transfer limit 3 per month N/A
Security
Security Card freeze feature
Real-time notifications
Customisable card security settings
Location-based security
Deposit protection
2FA authentication
Card freeze feature
Real-time notifications
Customisable card security settings
Deposit protection
2FA authentication
Fingerprint login
Bug bounty program
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.
Disclaimer: The products listed on this page are not representative of the whole market.
*To be eligible, open the account by 15 February 2021 and deposit at least €300 by 8 March 2021. New customers only. Use the code VALENTIJN40.

Verdict

Revolut and N26 are both popular digital banks in the Netherlands that offer their users a range of money management features at competitive prices. Each of these platforms come with convenient mobile wallets, low payments and currency conversion fees, as well as essential security features.

However, there are a few differences that could make one of these providers better suited to your digital banking needs than the other.

Revolut could stand out for users who are interested in holding multiple in-app currencies. Additionally, it offers crypto exchange features which might appeal to users who buy and sell digital currencies. Revolut may also be the better option if you foresee yourself making more than 5 ATM withdrawals per month. Lastly, Revolut paid accounts tend to be slightly cheaper than that of N26 accounts, so this could be a huge consideration to those who wish to keep account fees to a minimum.

N26, on the other hand, has an intuitive platform with strong security features. It’s great for transferring money to friends and has the added bonus of having multiple in-app languages.

Ultimately, when comparing Revolut vs N26, it’s important to consider your own banking needs first. The best digital bank for one person could be different for another. Be sure to compare each option and make a decision based on your finances. For a more in-depth understanding of each of these providers, read the full review of Revolut here and N26 here.

Compare digital banks in the Netherlands

1 - 9 of 9
Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
Wirex Standard
  • Monthly fee

    € 0

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 0
Up to 4 business days
Apple Pay, Google Pay

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.
N26 Bank Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 10 working days
Apple Pay, Google Pay

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
Wise Multicurrency Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 14 working days

  • Mobile payments

  • Supported currencies

    17

€ 0
Up to 14 working days
Apple Pay, Google Pay

17

Wise (formerly TransferWise) is an international account for over 50 currencies, with instant, super-cheap money transfer, a card to spend in any currency, bank details to get paid in 30 different countries and multi-currency direct debits.
Revolut Standard
  • Monthly fee

    € 0

  • Card delivery

    Up to 9 working days

  • Mobile payments

  • Supported currencies

    20

€ 0
Up to 9 working days
Apple Pay, Google Pay

20

Enjoy no monthly fee, no currency conversion fees up to € 1,000 per month and the ability to hold up to 16 currencies in your account.
Openbank Open Payment Account
  • Monthly fee

    € 0

  • Card delivery

    N/A

  • Mobile payments

  • Supported currencies

    1

€ 0
N/A
Apple Pay, Google Pay

1

An open payment account with € 0 fees and free domestic and EU transfers. Includes a free debit card with travel benefits.
Nuri
  • Monthly fee

    € 0

  • Card delivery

    Up to 14 days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 14 days
Apple Pay, Google Pay, Samsung Pay

1

Invest in cryptocurrencies and enjoy up to 5% interest per year on Bitcoin deposits with this digital bank account
VIALET Current Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 7 working days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 7 working days
Apple Pay, Google Pay

1

An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
Vivid Standard
  • Monthly fee

    € 0

  • Card delivery

    4-5 days

  • Mobile payments

  • Supported currencies

    1

€ 0
4-5 days
Apple Pay, Google Pay

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 10% cashback per month.
Monese Starter
  • Monthly fee

    € 0

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    2

€ 0
Up to 3 working days
Apple Pay, Google Pay

2

A dual currency account with no foreign currency fees up to N/A. Features include budgeting tools and multilingual support.
loading

Compare up to 4 providers

1 - 17 of 17
Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
Wirex Premium
  • Monthly fee

    € 9.99

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 9.99
Up to 4 business days
Apple Pay, Google Pay

12

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

Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
bunq Easy Money Personal
  • Monthly fee

    € 8.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 8.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

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 Metal
  • Monthly fee

    € 16.90

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 16.90
Up to 10 working days
Apple Pay, Google Pay

1

Receive a stainless steel Metal card available in 3 shades, an insurance package, exclusive offers, and great rates and fees.
bunq Easy Bank Personal
  • Monthly fee

    € 2.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 2.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account.
Revolut Plus
  • Monthly fee

    € 2.99

  • Card delivery

    Up to 9 working days

  • Mobile payments

  • Supported currencies

    20

€ 2.99
Up to 9 working days
Apple Pay, Google Pay

20

A Revolut Plus account gives you the security of all your online purchases with the purchase guarantee, interest on your savings, and many more extras for just a small amount per month
N26 You
  • Monthly fee

    € 9.90

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 9.90
Up to 10 working days
Apple Pay, Google Pay

1

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

    € 7.99

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    20

€ 7.99
Up to 3 working days
Apple Pay, Google Pay

20

A combined current account and IBAN account with unlimited free currency conversions and international transfers in 30 currencies.
Wirex Elite
  • Monthly fee

    € 29.99

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 29.99
Up to 4 business days
Apple Pay, Google Pay

12

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

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
bunq Easy Green Personal
  • Monthly fee

    € 17.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 17.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

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

    € 4.95

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 4.95
Up to 10 working days
Apple Pay, Google Pay

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 Metal
  • Monthly fee

    € 13.99

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    20

€ 13.99
Up to 3 working days
Apple Pay, Google Pay

20

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
VIABUY Online Account
  • Monthly fee

    € 1.66

  • Card delivery

    Within 24 hours

  • Mobile payments

  • Supported currencies

    1

€ 1.66
Within 24 hours
Apple Pay, Google Pay

1

A secure, prepaid card that lets you spend worldwide. No credit checks and receive your card within 24 hours.
Triodos Internet Payment Account
Triodos Internet Payment Account
  • Monthly fee

    € 5

  • Card delivery

    N/A

  • Mobile payments

    • Supported currencies

      1

    € 5
    N/A
    iDEAL

    1

    A Triodos internet payment account is an online and mobile banking services for those who want to change the world for the better.
    Monese Premium
    • Monthly fee

      € 14.95

    • Card delivery

      Up to 3 working days

    • Mobile payments

    • Supported currencies

      2

    € 14.95
    Up to 3 working days
    Apple Pay, Google Pay

    2

    A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad.
    Vivid Premium
    • Monthly fee

      € 9.90

    • Card delivery

      4-5 days

    • Mobile payments

    • Supported currencies

      1

    € 9.90
    4-5 days
    Apple Pay, Google Pay

    1

    A premium bank account with maximised cashback rewards on everyday spending online and in store, including up to 100€ cashback per month.
    Monese Classic
    • Monthly fee

      € 5.95

    • Card delivery

      Up to 3 working days

    • Mobile payments

    • Supported currencies

      2

    € 5.95
    Up to 3 working days
    Apple Pay, Google Pay

    2

    A dual currency card designed for travellers with no foreign currency fees up to Unlimited and foreign transfers in 8 currencies.
    Knab Plus
    Knab Plus
    • Monthly fee

      € 5

    • Card delivery

      3 to 5 working days

    • Mobile payments

    • Supported currencies

      1

    € 5
    3 to 5 working days
    Apple Pay

    1

    Get your complete banking package via the app for only € 5 a month and enjoy multiple (saving) accounts and even a free credit card if you wish.
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    Compare up to 4 providers

    1 - 1 of 1
    Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
    Openbank Я42 Debitcard
    • Monthly fee

      € 7.99

    • Card delivery

      N/A

    • Mobile payments

    • Supported currencies

      1

    € 7.99
    N/A
    Apple Pay, Google Pay

    1

    With the Openbank Я42 debit card you can easily spend money worldwide. In addition, for only € 7.99 you can travel stress-free thanks to the flexible travel card plan, which also immediately insures you.
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