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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. Both are fully regulated and well-trusted international mobile banks, with millions of customers in different countries.

Use our head to head comparison and choose the best mobile bank for you!

Established

2015

2013

Trustpilot Rating

Excellent
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Excellent
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star

Available for Registration From

UK, EU

UK, EU, US*(Brazil in a waiting list)

Regulation

FCA (UK)

yes icon
no icon

ECB (The Europiean Central Bank)

no icon
yes icon

Other

no icon

BaFin (Germany)

Cifas

yes icon
yes icon

PRA

yes icon
no icon
Key Features in a nutshell

No Proof of Address or Credit History Required

yes icon
no icon

Current & Checking Account (Local & International)

yes icon
yes icon

Budgeting & Saving Plans

yes icon
yes icon

Bonus Offers

€15 back on your 1st card transaction £10 bonuses for referring friends

no icon

Online & Offline Payments

yes icon
yes icon

Direct Debits (Free)

yes icon
yes icon

Cash Withdrawals & Deposits (Local & International)

yes icon
yes icon

Bank Top-Ups

yes icon
yes icon

Cash Top-Ups

UK only

Germany only

Contactless, 3D Secure Mastercard Debit card

yes icon
yes icon

Apple & Google Pay

yes icon
yes icon

Currency Exchange & International Transfers

yes icon
yes icon

Full Account & Card Control From the App

yes icon
yes icon

Instant account notifications

yes icon
yes icon

Web Version (Desktop)

no icon
yes icon
Safety

Two-factor payment authentication

yes icon
yes icon

Information stored in a secure data center

yes icon
yes icon

Fingerprint login

yes icon
yes icon

Segregated customer accounts

yes icon
yes icon

Card locking from within the App

yes icon
yes icon

Deposit protection (Loss compensation guarantee)

100% balance reimbursement

up to €100,000

Fees & charges

Free account

yes icon
yes icon

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

no icon

up to 1.48% interest on saving account (Germany & Austria)

Free payments in any currency

yes icon
yes icon

Free payments in any currency

yes icon
yes icon
Top-Up Methods

Bank transfer

yes icon
yes icon

Debit Card

yes icon
yes icon

Cash

UK

Germany, Austria, and Italy

Sending & Receiving Options

Scheduled & Recurring Payments

yes icon
yes icon

Delivery Speed


0 – 2 business days (local)
3 – 5 business days (International)


0 – 2 business days (local)
5 – 7 business days (International)

Currencies

20

19

Mobile App

Languages available

14

5

App UX

5/5

5/5

Mobile Adaptive Website

yes icon
yes icon

Spending Visual Statistics (Graphs)

yes icon
yes icon

Score

9.1
9.8
Overview

Established

2015

2013

Trustpilot Rating

Excellent
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
Excellent
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star
  • Trustpilot Star

Available for Registration From

UK, EU

UK, EU, US*(Brazil in a waiting list)

Regulation

FCA (UK)

yes icon
no icon

ECB (The Europiean Central Bank)

no icon
yes icon

Other

no icon

BaFin (Germany)

Cifas

yes icon
yes icon

PRA

yes icon
no icon
Key Features in a nutshell

No Proof of Address or Credit History Required

yes icon
no icon

Current & Checking Account (Local & International)

yes icon
yes icon

Budgeting & Saving Plans

yes icon
yes icon

Bonus Offers

€15 back on your 1st card transaction £10 bonuses for referring friends

no icon

Online & Offline Payments

yes icon
yes icon

Direct Debits (Free)

yes icon
yes icon

Cash Withdrawals & Deposits (Local & International)

yes icon
yes icon

Bank Top-Ups

yes icon
yes icon

Cash Top-Ups

UK only

Germany only

Contactless, 3D Secure Mastercard Debit card

yes icon
yes icon

Apple & Google Pay

yes icon
yes icon

Currency Exchange & International Transfers

yes icon
yes icon

Full Account & Card Control From the App

yes icon
yes icon

Instant account notifications

yes icon
yes icon

Web Version (Desktop)

no icon
yes icon
Safety

Two-factor payment authentication

yes icon
yes icon

Information stored in a secure data center

yes icon
yes icon

Fingerprint login

yes icon
yes icon

Segregated customer accounts

yes icon
yes icon

Card locking from within the App

yes icon
yes icon

Deposit protection (Loss compensation guarantee)

100% balance reimbursement

up to €100,000

Fees & charges

Free account

yes icon
yes icon

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

no icon

up to 1.48% interest on saving account (Germany & Austria)

Free payments in any currency

yes icon
yes icon

Free payments in any currency

yes icon
yes icon
Top-Up Methods

Bank transfer

yes icon
yes icon

Debit Card

yes icon
yes icon

Cash

UK

Germany, Austria, and Italy

Sending & Receiving Options

Scheduled & Recurring Payments

yes icon
yes icon

Delivery Speed


0 – 2 business days (local)
3 – 5 business days (International)


0 – 2 business days (local)
5 – 7 business days (International)

Currencies

20

19

Mobile App

Languages available

14

5

App UX

5/5

5/5

Mobile Adaptive Website

yes icon
yes icon

Spending Visual Statistics (Graphs)

yes icon
yes icon
Score
9.1
9.8