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.
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Established |
2013 |
2015 |
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Trustpilot Rating |
Excellent
|
Great
|
|
Available for Registration From |
UK, EU, US*(Brazil in a waiting list) |
UK, EU, AU |
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Regulation
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FCA (UK) |
 |
 |
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ECB (The Europiean Central Bank) |
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Cifas |
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PRA |
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Key Features in a nutshell
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Current & Checking Account (Local & International) |
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Budgeting & Saving Plans |
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Online & Offline Payments |
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Direct Debits (Free) |
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Cash Withdrawals & Deposits (Local & International) |
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Cash Top-Ups |
Germany Only |
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Save up for a specific goal via sub-accounts |
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Withdraw and deposit cash for free at retail partners |
Germany only |
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Web Version (Desktop) |
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Apple & Google Pay |
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Safety
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Two-factor payment authentication |
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Information stored in a secure data center |
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Fingerprint login |
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Segregated customer accounts |
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Card locking from within the App |
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Deposit protection (Loss compensation guarantee) |
Up to €100,000 |
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Fees & charges
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Free account |
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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) |
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|
Card delivery fee |
Free |
€/£4.99 delivery fee |
|
Top-Up Methods
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Bank transfer |
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Debit Card |
|
UK only |
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Cash |
Germany, Austria, and Italy |
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Cheque |
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|
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Sending & Receiving Options
|
||
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Scheduled & Recurring Payments |
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|
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Delivery Speed |
|
|
|
Currencies |
19 |
29 |
|
Mobile App
|
||
|
Languages available |
5 |
7 |
|
App UX |
5/5 |
4.5/5 |
|
Mobile Adaptive Website |
|
|
|
Spending Visual Statistics (Graphs) |
|
|
|
Score |
9.8 |
8.8 |
|
Overview
|
|
|
Established |
|
|
2013 |
2015 |
|
Trustpilot Rating |
|
|
Excellent
|
Great
|
|
Available for Registration From |
|
|
UK, EU, US*(Brazil in a waiting list) |
UK, EU, AU |
|
Regulation
|
|
|
FCA (UK) |
|
|
|
|
|
ECB (The Europiean Central Bank) |
|
|
|
|
|
Cifas |
|
|
|
|
|
PRA |
|
|
|
|
|
Key Features in a nutshell
|
|
|
Current & Checking Account (Local & International) |
|
|
|
|
|
Budgeting & Saving Plans |
|
|
|
|
|
Online & Offline Payments |
|
|
|
|
|
Direct Debits (Free) |
|
|
|
|
|
Cash Withdrawals & Deposits (Local & International) |
|
|
|
|
|
Cash Top-Ups |
|
|
Germany Only |
|
|
Save up for a specific goal via sub-accounts |
|
|
|
|
|
Withdraw and deposit cash for free at retail partners |
|
|
Germany only |
|
|
Web Version (Desktop) |
|
|
|
|
|
Apple & Google Pay |
|
|
|
|
|
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) |
|
|
Up to €100,000 |
|
|
Fees & charges
|
|
|
Free account |
|
|
|
|
|
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) |
|
|
Card delivery fee |
|
|
Free |
€/£4.99 delivery fee |
|
Top-Up Methods
|
|
|
Bank transfer |
|
|
|
|
|
Debit Card |
|
|
|
UK only |
|
Cash |
|
|
Germany, Austria, and Italy |
|
|
Cheque |
|
|
|
|
|
Sending & Receiving Options
|
|
|
Scheduled & Recurring Payments |
|
|
|
|
|
Delivery Speed |
|
|
|
|
|
Currencies |
|
|
19 |
29 |
|
Mobile App
|
|
|
Languages available |
|
|
5 |
7 |
|
App UX |
|
|
5/5 |
4.5/5 |
|
Mobile Adaptive Website |
|
|
|
|
|
Spending Visual Statistics (Graphs) |
|
|
|
|
|
Score
|
|
|
9.8 |
8.8 |