Two of the most popular and successful new online banking services are Revolut and N26.

 

N26 now has nearly 6 million users, and Revolut is the leading European bank with more than 10 million as of the last quarter of 2020, putting both on the fast growth track. So if you are looking for a bank to handle your finance, how to decide between Revolut vs N26? We are here to help you make the right decision based on your own needs.

Before dealing with the advantages of choosing either Revolut or N26, consider the following table of features of N26 vs Revolut showing common features and main differences as we summarize here:

Feature
Revolut difference
n26 difference
Multiple debit cards
options for multiple debit cards for each account - besides the physical card, you can create up to 5 virtual cards
only allows one card per account with max. 2 sub-accounts (N26 Spaces)
Debit card top-up
Free by linking the main bank's debit card to the Revolut account and transferring with the app. Also with a bank transfer, debit card or credit card. Not with cash.
Only the first top-up is free, then there's a 3% fee every time.
account options
Choice of 3 levels (Standard, Metal, Premium) for both personal and business
Choice of 3 for personal and single for business
ATM Withdrawal
Free to withdraw €200 a month then a 2% fee per withdrawal
Three free withdrawals per month then €2 charge per withdrawal.
Access to cryptocurrencies
Supports Bitcoin and cryptocurrency
N/A
Supports international transfers
Transfer to 29 currencies with a 0.5% fee for anything above£/€5000 each month plus a flat markup on weekends and in certain currencies
Only via Transferwise - 0.35% - 2.85% depending on the currency
Commission on card transactions in a foreign currency
up to two percent of the amount spent
nil
Type of debit card
offers both Mastercard and Visa
only offers Mastercard
Transferring money to other accounts
to other accounts in the same country is free. 50 cent fee for non-euro transfers e.g. sending sterling to a bank in the UK from Euro country
Free up to a limit of €1,000 a month - after that 0.5% fee.
Exchange conversion rates
Uses Interbank exchange rate with a 1% markup at weekends
applies the Mastercard exchange rate at all times
App language availability
20 languages. Customer support available in English and Polish
5 languages. Customer support available in English, French, Spanish, German and Italian.
Multi-currency balance
24 currencies
GBP or EUR only
Withdrawing cash abroad
withdraw the equivalent of €200 a month free, then 2%
fee Charges a 1.7% fee
Banking license advantages
has a UK banking license, important for business customers in Great Britain.
Has a German banking license, important for business customers in the EU.
Interest on savings
UK saving vault accounts only - 0.8% protected by FSCS up to £85,000
Euro accounts - up to 1.57% protected up to €100,000
Access portals
Mobile only
Mobile and desktop
Funds top-up methods
Bank transfers, debit/credit card top-up
Cash (DE, IT, AT), bank transfer
Direct debit currencies
EUR only
EUR & GBP
Unique features
Can set up recurring payments and direct debit payments to pay for your bills or purchases
Offer features like overdrafts, interest on savings accounts and other functions similar to normal banks (Germany & Austria only)

Overall, there is no clear winner in the competition of Revolut vs. N26. Each one has shared general features that are basic to everyone’s requirements, and both are good choices. Making the difference would be things that are particular to your own specific requirements

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