Rabobank vs ING
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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 |
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| 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 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 |
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Revolut Plus |
N26 Smart |
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| OVERVIEW | ||
| Description | Sign up to Revolut through Finder and receive a free trial of Revolut Premium for 3 months. 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 |
| 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 |
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| 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 |
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Revolut Premium |
N26 You |
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| 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 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 |
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Revolut Metal |
N26 Metal |
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| 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, 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 |
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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
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