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N26 vs Revolut

Pick N26 if you live in one of its supported European countries and want a euro bank account: card payments abroad use the Mastercard rate with no N26 fee on every plan, and SEPA and Instant SEPA transfers are free (EU pricing, as of 26 Sep 2026).

Pick Revolut if you need balances in several currencies or live outside N26’s list: it serves the UK, the EEA, the US and many other countries. Revolut prices by country of residence; UK-resident Standard accounts exchange up to GBP 1,000 per rolling month before a 1% fee (as of 26 Sep 2026).

The cash figures belong to different customers. N26 Standard and Smart add 1.7% to every non-euro withdrawal for residents of N26’s countries (EU pricing, as of 26 Sep 2026). UK-resident Revolut Standard accounts get 5 withdrawals or GBP 200 a month without a Revolut fee, then 2% (minimum GBP 1, as of 26 Sep 2026); Revolut accounts in other countries have their own allowances.

N26Euro bank account with country-specific eligibility, card and cash-withdrawal terms.
RevolutMulti-currency app, cards, transfers and in-app crypto with tiered plans.

Choose N26 if

  • You live in a country on N26’s residence list and are paid in euros.
  • You pay by card abroad often and want the Mastercard rate with no N26 fee on any plan.
  • You want a bank account whose eligible deposits are covered by deposit protection.
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Choose Revolut if

  • You need to hold and exchange several currencies in one app.
  • You live in the UK, the US or another country outside N26’s list.
  • You live in the UK and withdraw cash rarely: UK Standard covers 5 withdrawals or GBP 200 a month without a Revolut fee (as of 26 Sep 2026).
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Key differences

AttributeN26Revolut
Who can open itN26Residents of selected European countries on N26’s list, including Switzerland; not every EEA countryRevolutUK, EEA, US and many other countries; features vary by region
CurrenciesN26Euro (EUR) account onlyRevolutBalances in several currencies; the set depends on your market
Card payments in another currencyN26Mastercard rate, no N26 fee on all plans (EU, as of 26 Sep 2026)RevolutRevolut’s own rate; Standard adds 1% above GBP 1,000 per rolling month and 1% on weekends where it applies (UK, as of 26 Sep 2026)
ATM cash abroadN26Non-euro cash: 1.7% on Standard and Smart; no N26 markup on Go and Metal (EU, as of 26 Sep 2026)RevolutStandard: 5 withdrawals or GBP 200 per rolling month free, then 2%, minimum GBP 1 (UK, as of 26 Sep 2026)
Paid plans per monthN26Smart EUR 4.90, Go EUR 9.90, Metal EUR 16.90; Standard free (EU, as of 26 Sep 2026)RevolutPlus GBP 3.99, Premium GBP 7.99, Metal GBP 14.99, Ultra GBP 55; Standard free (UK, as of 26 Sep 2026)
Protection of your moneyN26Bank account; eligible deposits are covered by the deposit-guarantee schemeRevolutDepends on the Revolut entity that holds your account; the UK bank launched on 11 Mar 2026 with phased migration

What a trip costs with N26 and Revolut

N26 prices are under “EEA (euro account)” and Revolut prices under “United Kingdom” in “Where you live”: switch it to see each card’s trip total.

Enter foreign-currency amounts at their value in EUR.

Assumes a euro card used in another currency outside Europe, so payments and cash are converted.

For this trip N26 Smart is cheapest: about 10.00 EUR; N26 Standard costs 15.10 EUR.

  1. 1
    N26 SmartCheapestEEA (euro account) · Review

    Trip total: 10.00 EUR

    Per month: 10.00 EUR

    Exchange
    0.00 EUR
    ATM
    5.10 EUR
    Plan
    4.90 EUR
    Card
    0.00 EUR

    card delivery extra

    Fees as of 26 Sep 2026 · source

  2. 2
    N26 StandardEEA (euro account) · Review

    Trip total: 15.10 EUR

    Per month: 15.10 EUR

    Exchange
    0.00 EUR
    ATM
    5.10 EUR
    Plan
    0.00 EUR
    Card
    10.00 EUR

    Fees as of 26 Sep 2026 · source

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N26

Last checked:

Official source: N26 foreign transaction fees
Revolut

Last checked:

Official source: Revolut pricing plans
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FAQ

Is N26 or Revolut cheaper for spending abroad?

For card payments, N26 is simpler for residents of its countries: the Mastercard rate with no N26 fee on all plans, and 1.7% on non-euro cash on Standard and Smart (EU pricing, as of 26 Sep 2026). Revolut prices by country of residence. UK-resident Standard accounts exchange up to GBP 1,000 per rolling month without a fee, then pay 1%, plus 1% on weekends where it applies; cash is free for 5 withdrawals or GBP 200 a month, then 2% (as of 26 Sep 2026). If you live in the EEA, Revolut’s price list for your own country applies.

Does N26 have a multi-currency account like Revolut?

No. N26 is a euro (EUR) account: you can pay in other currencies by card at the Mastercard rate, but you hold only euros. Revolut keeps balances in several currencies; which ones depends on the market where your account is opened.

Can anyone in the EEA open an N26 account?

No. N26 opens accounts only for residents of the countries on its official list, which includes Switzerland and leaves out some EEA countries. Revolut accepts residents of the UK, the EEA, the US and many other countries.

Fees and terms change, so check the provider’s current price page before you sign up. How we compare