Bank license
Yes (bank model)
N26 is presented as a bank model with bank-account positioning in supported markets.
Checked on: 2026-06-28
Open sourceProvider review
N26
N26 is strongest as a daily euro account for users who want a bank-like product, a clean app experience, and clearer savings protection positioning than many fintech rivals.
Best for: Daily euro banking
Last updated
2026-06-11
Source quality: High
Based on 3 official source links and Trustpilot check (2026-06-13).
5 review samples analyzed, 80% substantiated.
Facts
Data snapshot
Updated 2026-06-11
- Monthly cost
- Standard € 0; Smart € 4.90; Go € 9.90; Metal € 16.90 per month
- ATM free limit
- Free euro ATM withdrawals per month: Standard 2, Smart 3, Go 5, Metal 8
- ATM after limit
- Above euro free count: € 2 each. Outside eurozone: Standard/Smart 1.7%; Go/Metal free
- FX cost
- Worldwide card payments listed as free across all plans
- Card cost
- Physical card: Standard € 10; Smart included; Go included; Metal card included
- Currencies
- 1 (EUR)
- Deposit guarantee
- Yes, up to € 100,000
- IBAN type
- For EU users, DE IBAN is operational standard; no explicit country-specific public confirmation found (2026)
Compliance badges
Compliance snapshot
Updated 2026-06-28
EMI safeguarded funds
Not primary (bank-deposit model)
For standard N26 bank-account users, framing is bank deposits rather than EMI safeguarding.
Checked on: 2026-06-28
Open sourceDeposit guarantee
Yes (up to €100,000)
N26 states eligible customer deposits are protected under applicable deposit-guarantee rules.
Checked on: 2026-06-28
Open sourceKnown friction
Historical AML/regulatory scrutiny
Public reporting has documented AML-remediation and regulatory scrutiny in prior periods.
Checked on: 2026-06-28
Open sourceApp visuals
N26 app visual
Live app preview for this provider. This visual is mapped one-to-one to the current provider page.
Current pageN26
Who it is best for
- Daily euro banking
- Travel in supported regions
- Students wanting a polished app
Pros
- Refined app and everyday banking feel.
- Clearer bank-account positioning than many app-only rivals.
- Free plan option plus premium upgrade path.
Cons
- Not the deepest multi-currency specialist.
- Availability remains region-limited.
- Travel and FX depth are weaker than the best specialist options.
Quick comparison (2026)
Direct snapshot of provider, monthly cost, FX, ATM, and best use case.
| Provider | Monthly cost | FX profile | ATM | Best for |
|---|---|---|---|---|
| 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 |
| 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 |
Costs and limits details
Literal values are shown where available. Always verify current plan terms on official pages.
Exchange rate / FX fees
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Exchange rate / FX fees
Often competitive for card spending, though exact outcomes depend on account type and geography.
Literal value: Worldwide card payments listed as free across all plans
Source: N26 plans
Last checked: 2026-06-11
Nuance: FX outcomes vary by currency pair, timing, plan, and country.
- Useful for travellers who want simplicity inside Europe-focused banking.
- Exact FX behavior may depend on card network and plan features.
- Users should confirm official country pricing pages.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
ATM withdrawal costs
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ATM withdrawal costs
ATM terms can be strong in some plans, weaker in others.
Literal value: Free euro ATM withdrawals per month: Standard 2, Smart 3, Go 5, Metal 8; Above euro free count: € 2 each. Outside eurozone: Standard/Smart 1.7%; Go/Metal free
- Best interpreted by looking at your local account offering.
- Operator fees may still apply.
- Frequent cash users should compare plan details carefully.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Supported/available currencies
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Supported/available currencies
Good for euro-led daily banking, but not a real multi-currency wallet leader.
Literal value: 1 (EUR)
Source: N26 card features
Last checked: 2026-06-11
Nuance: Available currencies and account details vary by country.
- Better positioned as a sleek daily bank than a specialist currency wallet.
- Suitable for many travel scenarios.
- Less expansive than Wise or Revolut on multi-currency depth.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Extra features
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Extra features
Strong everyday banking controls with a clean app experience.
Literal value: Card: Physical card: Standard € 10; Smart included; Go included; Metal card included
Source: N26 card features
Last checked: 2026-06-11
Nuance: Features and terms vary by plan and country.
- Digital wallet support and app security controls are meaningful strengths.
- Some budgeting and spaces-style tools are available depending on plan.
- More polished than feature-experimental.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Price / subscription
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Price / subscription
Free and paid options exist, with the free tier making N26 particularly relevant for everyday euro banking.
Literal value: Standard € 0; Smart € 4.90; Go € 9.90; Metal € 16.90 per month
Source: N26 plans
Last checked: 2026-06-11
Nuance: Plan pricing and included benefits may differ by country.
- Free path can work well for lighter usage and daily euro spending.
- Premium tiers may be more attractive to frequent travellers.
- Country differences are material.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Operational transparency
Only essential provider points: FX, limits, support, security, and dispute handling.
FX profile
Official N26 plan pages frame card FX simply (for example free worldwide card payments in compared plans), but do not show a continuous mid-market benchmark table.
ATM and limits
Official N26 plan comparison shows ATM allowance differences by tier and explicit fee behavior outside allowances/eurozone.
Support response
No fixed public first-response SLA was identified in checked N26 plan/support pages.
Security
Official N26 support hub explicitly includes two-factor authentication and fraud-reporting guidance.
Dispute timeline
Checked N26 support pages confirm dispute pathways but do not publish one universal chargeback SLA timeline.
Last update: 2026-06-29 10:15 CET
Sources
The information on our site is based on the information on these official sites:
FAQ
Is N26 strong for everyday EU banking and travel?
N26 is often strong for daily EU banking flow, but travelers should still validate ATM and FX plan rules.
Can N26 replace a dedicated travel card setup?
Sometimes, but high-frequency multi-currency users may still need a more specialized provider mix.
What should I check first before choosing N26?
Start with ATM behavior, card usage geography, and whether your workflow needs deeper currency tooling.
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