Monese Vs. N26
Both Monese and N26 offer a modern and highly technological approach to banking via handy smartphone apps and save a lot of time and money for the users. Use our head to head comparison and choose the best mobile bank for you!
Established |
2015 |
2013 |
Trustpilot Rating |
Excellent
|
Excellent
|
Available for Registration From |
UK, EU |
UK, EU, US*(Brazil in a waiting list) |
Regulation
|
||
FCA (UK) |
||
ECB (The Europiean Central Bank) |
||
Other |
BaFin (Germany) |
|
Cifas |
||
PRA |
||
Key Features in a nutshell
|
||
No Proof of Address or Credit History Required |
||
Current & Checking Account (Local & International) |
||
Budgeting & Saving Plans |
||
Bonus Offers |
€15 back on your 1st card transaction £10 bonuses for referring friends |
|
Online & Offline Payments |
||
Direct Debits (Free) |
||
Cash Withdrawals & Deposits (Local & International) |
||
Bank Top-Ups |
||
Cash Top-Ups |
UK only |
Germany only |
Contactless, 3D Secure Mastercard Debit card |
||
Apple & Google Pay |
||
Currency Exchange & International Transfers |
||
Full Account & Card Control From the App |
||
Instant account notifications |
||
Web Version (Desktop) |
||
Safety
|
||
Two-factor payment authentication |
||
Information stored in a secure data center |
||
Fingerprint login |
||
Segregated customer accounts |
||
Card locking from within the App |
||
Deposit protection (Loss compensation guarantee) |
100% balance reimbursement |
up to €100,000 |
Fees & charges
|
||
Free account |
||
Monthly Fee |
Premium plans from €/£4.95/m |
Premium plans from €/£9.90/m |
Exchange Rate |
Low ,Interbank rate |
Low, Interbank rate |
Direct Debits |
Free |
Free |
Savings interest |
up to 1.48% interest on saving account (Germany & Austria) |
|
Free payments in any currency |
||
Free payments in any currency |
||
Top-Up Methods
|
||
Bank transfer |
||
Debit Card |
||
Cash |
UK |
Germany, Austria, and Italy |
Sending & Receiving Options
|
||
Scheduled & Recurring Payments |
||
Delivery Speed |
|
|
Currencies |
20 |
19 |
Mobile App
|
||
Languages available |
14 |
5 |
App UX |
5/5 |
5/5 |
Mobile Adaptive Website |
||
Spending Visual Statistics (Graphs) |
||
Score |
9.1 |
9.8 |
Overview
|
|
Established |
|
2015 |
2013 |
Trustpilot Rating |
|
Excellent
|
Excellent
|
Available for Registration From |
|
UK, EU |
UK, EU, US*(Brazil in a waiting list) |
Regulation
|
|
FCA (UK) |
|
ECB (The Europiean Central Bank) |
|
Other |
|
BaFin (Germany) |
|
Cifas |
|
PRA |
|
Key Features in a nutshell
|
|
No Proof of Address or Credit History Required |
|
Current & Checking Account (Local & International) |
|
Budgeting & Saving Plans |
|
Bonus Offers |
|
€15 back on your 1st card transaction £10 bonuses for referring friends |
|
Online & Offline Payments |
|
Direct Debits (Free) |
|
Cash Withdrawals & Deposits (Local & International) |
|
Bank Top-Ups |
|
Cash Top-Ups |
|
UK only |
Germany only |
Contactless, 3D Secure Mastercard Debit card |
|
Apple & Google Pay |
|
Currency Exchange & International Transfers |
|
Full Account & Card Control From the App |
|
Instant account notifications |
|
Web Version (Desktop) |
|
Safety
|
|
Two-factor payment authentication |
|
Information stored in a secure data center |
|
Fingerprint login |
|
Segregated customer accounts |
|
Card locking from within the App |
|
Deposit protection (Loss compensation guarantee) |
|
100% balance reimbursement |
up to €100,000 |
Fees & charges
|
|
Free account |
|
Monthly Fee |
|
Premium plans from €/£4.95/m |
Premium plans from €/£9.90/m |
Exchange Rate |
|
Low ,Interbank rate |
Low, Interbank rate |
Direct Debits |
|
Free |
Free |
Savings interest |
|
up to 1.48% interest on saving account (Germany & Austria) |
|
Free payments in any currency |
|
Free payments in any currency |
|
Top-Up Methods
|
|
Bank transfer |
|
Debit Card |
|
Cash |
|
UK |
Germany, Austria, and Italy |
Sending & Receiving Options
|
|
Scheduled & Recurring Payments |
|
Delivery Speed |
|
|
|
Currencies |
|
20 |
19 |
Mobile App
|
|
Languages available |
|
14 |
5 |
App UX |
|
5/5 |
5/5 |
Mobile Adaptive Website |
|
Spending Visual Statistics (Graphs) |
|
Score
|
|
9.1 |
9.8 |