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N26 vs Revolut
A side-by-side comparison of N26 and Revolut — fees, FX, ATM access, cashback, custody, availability and travel use — so you can pick the right one or run both as backups.
Licensed German mobile bank with fee-free card spending abroad and deposit protection.
All-in-one money app with multi-currency cards, transfers, crypto and travel extras.
| Attribute | N26 | Revolut |
|---|---|---|
| Best for | EU residents wanting a real bank with no-FX card spending | One-app travel money with FX and extras |
| Availability | Region-dependent | Region-dependent |
| Type | Virtual + physical | Virtual + physical |
| KYC | Required | Required |
| FX | No foreign-transaction fee on card payments (Mastercard rate) on all plans | Interbank rate within a monthly fair-usage allowance (about 1,000 in base currency on Standard), then a fair-usage fee on the excess (≈1% in the UK/EU, 0.5% in the US); a 1% weekend markup can apply outside FX-market hours on some currencies |
| ATM | Limited free withdrawals by plan and country; non-Eurozone ATM withdrawals add 1.7% on Standard/Smart (no FX fee on Go/Metal) | Free up to a monthly allowance (region and plan dependent, e.g. EUR 200 or USD 800), then about 2% |
| Monthly | Standard free; Smart, Go and Metal tiers roughly EUR 4.90–16.90 per month | Standard plan free; Plus, Premium, Metal and Ultra tiers carry recurring fees |
| Cashback | Some paid tiers add perks or partner offers; not used as a ranking factor | Some paid plans and card promotions offer cashback or perks; not used as a ranking factor |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
Choose N26 if
- EU residents who want a real bank with no-FX card spending
- People who value deposit protection over multi-currency holding
Choose Revolut if
- Travelers wanting one app for cards, FX and extras
- People who stay within the free FX and ATM allowances
Related next steps
Not financial advice. Fees, availability and terms change — confirm current official terms with each provider before signing up.
FAQ
Which is cheaper, N26 or Revolut?
It depends on how you spend. Compare the FX, ATM and monthly fees in the table for your real usage, and remember cashback and rewards only help if you actually redeem them.
Can I use both together?
Often yes. Many travelers keep one as the primary option and the other as a backup rail, which protects you if one has an outage, a block or a regional limit.
Is either a full bank replacement?
Treat both as specialized tools, not insured bank accounts. Keep emergency funds and a backup card from a separate provider.