N26 vs Revolut
How the two digital banking platforms differ.
N26 and Revolut are two of Europe's best-known mobile finance platforms, but they are built around different models. N26 is a licensed bank offering a current account and debit card; Revolut started as a multi-currency spending card and has expanded into broader financial services. This comparison is neutral and informational.
Independent guide — not affiliated with, or endorsed by, N26.
| Feature | N26 | Revolut |
|---|---|---|
| Account availability | Licensed bank account with an IBAN in supported European countries. | App-based account with wallet and card; broader global availability. |
| Pricing | Free standard plan plus paid tiers. | Free standard plan plus paid tiers. |
| Card | Mastercard debit card linked to the account. | Visa or Mastercard depending on plan and region. |
| ATM / cash withdrawal | Withdrawals depend on plan and currency. | Withdrawal limits and fees depend on plan. |
| Transfers | SEPA transfers and instant options where supported. | Transfers plus in-app peer payments. |
| Savings | Savings and interest where available by plan and country. | Savings and investment products depending on plan and region. |
| Travel features | Travel insurance on selected paid plans. | Travel insurance and lounge access on selected paid plans. |
| Currency exchange | Card payments abroad with plan-dependent conditions. | Multi-currency wallet with interbank exchange on selected plans. |
| Budgeting tools | Spending insights and Spaces sub-accounts. | Budgeting, analytics and vaults. |
| Customer support | In-app support; priority support on paid plans. | In-app support; priority support on paid plans. |
| App experience | Focused banking app with a clean interface. | Broader super-app with multiple finance features. |
| Country availability | Selected European countries. | Broader global availability. |
Which one fits you?
Consider N26 if
you want a straightforward licensed bank account with an IBAN, a debit card and a clean, focused banking app.
Consider Revolut if
you want multi-currency spending, broader global availability and a wider range of finance features in one app.
Visit official N26Last reviewed: September 15, 2026. Neutral comparison — no winner declared.