N26 Vs. Revolut

N26 VS Revolut. Which is better? Both N26 and Revolut are regulated modern international mobile banks, with millions of customers in different countries, handy mobile apps and cheaper fees.

Both offer a modern and highly technological approach to banking via handy smartphone apps, without physical branches, and both fit just fine for most European countries.

The crucial difference is although Revolut is authorized for financial operations by the UK’s FCA, it has no “bank” status, unlike N26, thus the Revolut customer’s money is not covered by the Financial Services Compensation Scheme.

Established

2013

2015

Trustpilot Rating

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

Available for Registration From

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

UK, EU, AU

Regulation

FCA (UK)

no icon
yes icon

ECB (The Europiean Central Bank)

yes icon
no icon

Cifas

yes icon
no icon

PRA

no icon
no icon
Key Features in a nutshell

Current & Checking Account (Local & International)

yes icon
yes icon

Budgeting & Saving Plans

yes icon
yes icon

Online & Offline Payments

yes icon
yes icon

Direct Debits (Free)

yes icon
yes icon

Cash Withdrawals & Deposits (Local & International)

yes icon
yes icon

Cash Top-Ups

Germany Only

no icon

Save up for a specific goal via sub-accounts

yes icon
yes icon

Withdraw and deposit cash for free at retail partners

Germany only

no icon

Web Version (Desktop)

yes icon
no icon

Apple & Google Pay

yes 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)

Up to €100,000

no icon
Fees & charges

Free account

yes icon
yes icon

Monthly Fee

Premium plans from €9.90/m

Premium plans from €/£6.99/m

Exchange Rate

Low, Interbank rate

Low, Interbank rate

Direct Debits

Free

€/£1 fee

Savings interest

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

no icon

Card delivery fee

Free

€/£4.99 delivery fee

Top-Up Methods

Bank transfer

yes icon
yes icon

Debit Card

yes icon

UK only

Cash

Germany, Austria, and Italy

no icon

Cheque

no icon
no icon
Sending & Receiving Options

Scheduled & Recurring Payments

yes icon
yes icon

Delivery Speed


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


1 – 2 business days (local)
5 – 9 business days (International)

Currencies

19

29

Mobile App

Languages available

5

7

App UX

5/5

4.5/5

Mobile Adaptive Website

yes icon
yes icon

Spending Visual Statistics (Graphs)

yes icon
yes icon

Score

9.8
8.8
Overview

Established

2013

2015

Trustpilot Rating

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

Available for Registration From

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

UK, EU, AU

Regulation

FCA (UK)

no icon
yes icon

ECB (The Europiean Central Bank)

yes icon
no icon

Cifas

yes icon
no icon

PRA

no icon
no icon
Key Features in a nutshell

Current & Checking Account (Local & International)

yes icon
yes icon

Budgeting & Saving Plans

yes icon
yes icon

Online & Offline Payments

yes icon
yes icon

Direct Debits (Free)

yes icon
yes icon

Cash Withdrawals & Deposits (Local & International)

yes icon
yes icon

Cash Top-Ups

Germany Only

no icon

Save up for a specific goal via sub-accounts

yes icon
yes icon

Withdraw and deposit cash for free at retail partners

Germany only

no icon

Web Version (Desktop)

yes icon
no icon

Apple & Google Pay

yes 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)

Up to €100,000

no icon
Fees & charges

Free account

yes icon
yes icon

Monthly Fee

Premium plans from €9.90/m

Premium plans from €/£6.99/m

Exchange Rate

Low, Interbank rate

Low, Interbank rate

Direct Debits

Free

€/£1 fee

Savings interest

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

no icon

Card delivery fee

Free

€/£4.99 delivery fee

Top-Up Methods

Bank transfer

yes icon
yes icon

Debit Card

yes icon

UK only

Cash

Germany, Austria, and Italy

no icon

Cheque

no icon
no icon
Sending & Receiving Options

Scheduled & Recurring Payments

yes icon
yes icon

Delivery Speed


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


1 – 2 business days (local)
5 – 9 business days (International)

Currencies

19

29

Mobile App

Languages available

5

7

App UX

5/5

4.5/5

Mobile Adaptive Website

yes icon
yes icon

Spending Visual Statistics (Graphs)

yes icon
yes icon
Score
9.8
8.8