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Quick table (2026)
Direct overview of the core criteria that drive most comparison clicks.
| Provider | Monthly cost | FX profile | ATM | Best for |
|---|---|---|---|---|
| Wise | No monthly fee | For EUR SWIFT transfers outside SEPA: EUR 5.21 (shared) or EUR 25.22 (fixed), plus conversion/payment-method fees | Reference profile: EUR 250/month | Frequent travel |
| Revolut | EU plans: Standard EUR 0; Plus EUR 3.99; Premium EUR 10.99; Metal EUR 19.99; Ultra EUR 65 per month | Exchange in 35 currencies at Revolut rate within plan limits; Standard and Plus can have weekend exchange fees | ATM free by plan: Standard EUR 200/month or 5 withdrawals; Plus EUR 200/month; Premium EUR 400/month; Metal EUR 800/month | Online shopping |
| Monese | EU plans: EUR 0 / 2.95 / 7.95 / 14.95 (Pay As You Go, Everyday, Cashback, Premium) | Foreign card spending fee by plan: 3% (Pay As You Go), 2% (Everyday), 0.5% (Cashback), 0% (Premium) | ATM free tier by plan: none (Pay As You Go/Everyday), EUR 500 (Cashback), EUR 2,500 (Premium) per month | Quick GBP/EUR setup |
| N26 | Standard EUR 0; Smart EUR 4.90; Go EUR 9.90; Metal EUR 16.90 per month | Worldwide card payments listed as free across all plans | Free euro ATM withdrawals per month: Standard 2, Smart 3, Go 5, Metal 8 | Daily euro banking |
| Paysera | Signup is free; no fixed monthly personal account fee stated in provided excerpts | No single fixed FX fee disclosed; best offered rate up to EUR 500/month, with improved rates possible above EUR 5,000 | No monthly free ATM allowance; eurozone cash withdrawals have a per-withdrawal fee | Cheap international transfers |
Comparison
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| Quick compare |  Monese |  N26 |  Paysera |  Revolut |  Wise |
|---|---|---|---|---|---|
| Quick take | Clear EU pricing, but weaker certainty on IBAN-country disclosure | Strong all-round EU banking setup with deposit protection | Cost-focused transfer option with simpler consumer card proposition | Most feature-rich app and plan ladder for EU users | Best for transparent FX and practical multi-currency spending |
| Trustpilot | 4.3/5 | 4.1/5 | 4.3/5 | 4.7/5 | 4.3/5 |
| Monthly cost | EU plans: EUR 0 / 2.95 / 7.95 / 14.95 (Pay As You Go, Everyday, Cashback, Premium) | Standard EUR 0; Smart EUR 4.90; Go EUR 9.90; Metal EUR 16.90 per month | Signup is free; no fixed monthly personal account fee stated in provided excerpts | EU plans: Standard EUR 0; Plus EUR 3.99; Premium EUR 10.99; Metal EUR 19.99; Ultra EUR 65 per month | No monthly fee |
| EU payments + ATM | ATM free tier by plan: none (Pay As You Go/Everyday), EUR 500 (Cashback), EUR 2,500 (Premium) per month; Above plan limits, ATM fees apply (see official Fees & Limits) | Free euro ATM withdrawals per month: Standard 2, Smart 3, Go 5, Metal 8; Above euro free count: EUR 2 each. Outside eurozone: Standard/Smart 1.7%; Go/Metal free | No monthly free ATM allowance; eurozone cash withdrawals have a per-withdrawal fee; No free-tier-then-after-limit model; ATM costs follow per-withdrawal fee and daily limit | ATM free by plan: Standard EUR 200/month or 5 withdrawals; Plus EUR 200/month; Premium EUR 400/month; Metal EUR 800/month; After monthly ATM allowance: 2% fee per withdrawal with minimum EUR 1; third-party ATM fees may apply | Reference profile: EUR 250/month; Reference profile: 2.69% above EUR 250/month; local ATM operator fees may apply |
| FX cost | Foreign card spending fee by plan: 3% (Pay As You Go), 2% (Everyday), 0.5% (Cashback), 0% (Premium) | Worldwide card payments listed as free across all plans | No single fixed FX fee disclosed; best offered rate up to EUR 500/month, with improved rates possible above EUR 5,000 | Exchange in 35 currencies at Revolut rate within plan limits; Standard and Plus can have weekend exchange fees | For EUR SWIFT transfers outside SEPA: EUR 5.21 (shared) or EUR 25.22 (fixed), plus conversion/payment-method fees |
| Supported currencies | Account available in GBP, EUR, and RON | 1 (EUR) | Almost 30 currencies supported for exchange | 35 exchange currencies in provided EU plan text; app copy also mentions 30+ for holding/exchange | 40+ |
| Key risk | No bank deposit guarantee and no explicit fixed IBAN country-code disclosure | DE-IBAN setup can still face occasional acceptance friction in some local flows | EMI model with safeguarding (not bank deposit guarantee) and per-withdrawal ATM fees | Benefits are plan-dependent; not all in-app services are covered by deposit protection | EMI model (safeguarded funds) and ATM fees after free allowance |
| Actions |
Fast-to-open digital account for GBP/EUR users in supported markets.
Quick take
Monthly cost
FX cost
Strong everyday euro account with a banking-style feel in supported markets.
Quick take
Monthly cost
FX cost
Transfer-friendly account option with pragmatic cross-border utility.
Quick take
Monthly cost
FX cost
Feature-rich app with virtual cards, budgeting, and plan-based pricing.
Quick take
Monthly cost
FX cost
Travel-led multi-currency account with transparent mid-market FX positioning.
Quick take
Monthly cost
FX cost
It depends on your mix of card spend, ATM withdrawals, and currencies. Use the summary table for a fast shortlist, then validate on each provider page.
Yes, often through FX route pricing, weekend rules, or post-limit ATM terms. That is why we combine monthly cost, FX, and ATM in one view.
Start with your biggest friction point: FX, ATM, or day-to-day app control. Pick the provider that stays most predictable on that exact point.
