Compare
N26 vs Wise
Compare N26 and Wise on supported routes, account eligibility, FX and ATM costs, plan limits and the backup you need for real travel.
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Decision brief
N26 is a more direct fit when this describes your needs: Residents on the supported-country list needing a euro account. Wise is a more direct fit when this describes your needs: Travelers comparing FX costs. Compare the decision factors below against your country, trip and backup plan.
Your residency and supported currency routes
FX, ATM and plan limits for a realistic month
Whether you need a regulated bank account, a multi-currency balance or both
Euro bank account: check residence eligibility, card costs and ATM terms.
Last checked:
Official source: N26 foreign transaction feesMulti-currency account and card with transparent conversion pricing.
Last checked:
Official source: Wise card feesWhat to compare first
| Attribute | N26 | Wise |
|---|---|---|
| Best for | Residents on the supported-country list needing a euro account | Travelers comparing FX costs |
| Availability | Region-dependent | Region-dependent |
| Product role | Euro bank account with country-specific eligibility, card and cash-withdrawal terms. | Multi-currency account, transfers and card with published fees. |
| KYC | Required | Required |
| FX | No foreign-transaction fee on card payments (Mastercard rate) on all plans | No foreign transaction fee; conversion fee applies when Wise converts currency |
| Transfer and withdrawal costs | Standard SEPA and Instant SEPA transfers are free; instant delivery requires recipient-bank participation. Other routes and foreign-currency transfers have separate terms. | Transfers vary by route, currency and payment method |
| Monthly | Standard free; Smart, Go and Metal tiers roughly EUR 4.90–16.90 per month | No card subscription fee in checked US pricing |
Choose N26 if
- Residents on the supported-country list needing a euro account
- Users comparing bank-deposit protection and cash-withdrawal conditions
Choose Wise if
- Travelers comparing FX costs
- Freelancers receiving and converting international payments