N26 vs Revolut

Revolut vs N26 - How is N26 different from Revolut?

Are you struggling to decide which bank account best fits your needs? With our comparison between N26 vs Revolut, you can learn about all the differences between both companies and discover which offers a superior banking experience while still staying within a budget.

Revolut vs N26: Comparison Of No-Fee Plans

When deciding between N26 and Revolut bank accounts, factor in the fees and services associated with each bank. Both have advantages and drawbacks; it's just a matter of what matters most.

We will first compare the free standard plans of N26 and Revolut before reviewing their paid plans.

When comparing the no-fee plans offered by N26 and Revolut, you will notice that the former offers a no-fee physical plastic card, whereas N26 offers only a virtual card, which you can add to your Google Pay and Apple Pay accounts.

Revolut doesn't differentiate between domestic and international ATM withdrawals like N26. If you surpass the free ATM withdrawal limit, you must pay a withdrawal fee with Revolut or N26.

The benefit of Revolut is that it offers a better banking experience and multi-currency accounts for users who wish to use Revolut for no-fees.

Revolut Plus vs N26 Smart

If you are researching Revolut and N26, you might know that both companies offer a budget-friendly paid plan with minor benefits.

Let's look at the additional features you will get by subscribing to the first paid plan from N26 or Revolut.

As you can see, the additional features you get by paying for your bank account are limited.

Both banks, Revolut and N26 offer a discounted annual plan, but in our opinion, it's not worth it for most users.

The N26 Smart account comes with a physical card and five domestic withdrawals included.

The Revolut Plus accounts have an "Everyday Protection" package that offers theft and accident coverage or purchase protection. We think the likelihood that you will ever use this service is relatively low.

Revolut Premium vs N26 You

Revolut and N26 offer premium accounts: N26 You and Revolut Premium. Those plans offer higher no-fee ATM withdrawals and travel insurance. Let's look at the pricing and features you get.

As you can see, both premium plans offer a travel insurance package that protects you for up to 90 consecutive days. It's important to highlight that to claim with N26, at least a part of the trip has to be paid with your N26 card, whereas with Revolut, the coverage is connected to your account plan rather than your card payments.

With Revolut Premium, you also get access to cheaper airport lounge passes and multi-currency accounts which isn't the case with N26.

Both banks offer discounts on annual plans; however, we believe that the Revolut Premium plan is more valuable than N26 You.

Revolut Metal vs N26 Metal

Revolut and N26 offer a physical metal debit card for Metal plan users. This plan is the most expensive offered by both banks. It offers the same travel insurance package as the Premium plan but higher no-fee ATM withdrawal limits.

The most significant difference between N26 Metal and Revolut Metal is the price and the cashback you get with Revolut Metal.

If you live abroad (outside of Europe), Revolut will pay you 1% cashback on your transactions up to the monthly subscription price. You can, therefore, use your cashback to pay the Revolut Metal monthly fee.

N26 Metal offers cashback only for business accounts. Additionally, the N26 Metal plan is more expensive and doesn't provide any significant value compared to the N26 You plan, which is cheaper and offers nearly identical benefits.

N26 vs Revolut: Savings Accounts

As of April 2025, Revolut and N26 offer interest on your cash.

With Revolut, you can open a "Flexible Cash Fund," Revolut's alternative savings account that pays daily interest.

The interest rate varies depending on your residence and currency. With the Flexible Cash Fund, you will invest in the Fidelity Money Market Fund, considered a lower-risk investment than stocks.

Revolut lets you cash out your money from the alternative savings account anytime. 

Compared to Revolut's alternative savings account, N26 offers a real instant savings account with a deposit protection of up to €100,000 per user. 

On N26, you can start with as little as €1 and enjoy annual interest on your savings of up to 2.8%.

N26 vs Revolut: International Transfer

Both companies, Revolut and N26, enable you to make international transfers.

Revolut and N26 allow you to send money abroad from your mobile device or via their native web application.

It's important to highlight that N26 uses Wise.com to transfer money internationally. You get the same rates as if you would transfer money with Wise.

Learn more about Wise in our Wise Money Transfer review.

Despite the subjective nature of N26 compared to Revolut, exchange rates and international transfer fees should be carefully considered as objective criteria.

Both banks, N26 and Revolut, allow you to send money for free via SEPA. You will be charged a small fee if you use the SWIFT network or send money abroad.

The exchange rate and international money transfer fees always depend on the following variables:

Sending money abroad will be more intuitive with Wise than with N26. Chances are, the rates you will get with Revolutwille also be more favorable, making your transaction cheaper.

If you decide to use both banks for international money transfers, we suggest making the transfer during workdays, as the fees on the weekend are higher.

Are you wondering which money transfer service is cheaper? Read our Wise vs Revolut comparison.

N26 vs Revolut: ATM fees

If you are traveling abroad, you might often need cash to pay for goods and services. Cash is king, especially in Asia or Africa, and paying with your N26 or Revolut card isn't always possible.

N26 offers unlimited ATM withdrawals outside your home country if you are a paying customer. The bank enables you to make between 3 and 8 domestic ATM withdrawals at no additional fees.

Revolut has a no-fee ATM withdrawal limit ranging from €200 to €800 per month, depending on your Revolut plan. If you live and spend money in Europe, this limit is likely sufficient for you. If you use Revolut abroad, you will often surpass this limit.

Revolut charges a 2% withdrawal fee (or a min. of €1) if you surpass the no-fee ATM withdrawal limit. Remember that ATMs abroad might already charge a withdrawal fee, so you often withdraw a more significant amount of money at once.

Withdrawing money with N26 abroad is hassle-free, as you can withdraw unlimited amounts for free. If you surpass the withdrawal limit in your home country, you can either continue withdrawing money for free in Cash26 partner shops or pay a €2 withdrawal fee.

N26 vs Revolut: Cards

Revolut and N26 offer virtual and physical cards. If you open just the no-fee Standard accounts, you must pay to get your physical card shipped.

Alternatively, you can connect the virtual cards to your Apple Pay or Google Pay and pay for services and goods with your phone.

Still, we highly recommend getting a physical card, as sometimes relying on a mobile device to pay for essential services might not be the best approach.

The N26 card comes in five different color schemes, whereas Revolut supports a variety of colors with the option to personalize your card if you are a premium or metal

Revolut vs N26 - Which is better?

We have been using N26 You and Revolut Metal for several years, and we find both plans suitable for our needs. Especially if you live abroad as a European, the N26 You account allows you to withdraw money without any hidden costs anywhere, whereas the Revolut Metal plan pays for itself with the offered cashback.

The N26 Premium or Revolut Premium would be sufficient if you live in the EU. Remember that N26 is no longer available in the UK, so if you are looking for a digital banking account that you can use abroad, Revolut is likely your best option.

Choosing the right plan for you is simple. Look at the features that both companies offer and pick the plan that fits your needs.

Remember that both companies offer discounts on annual subscriptions. If you decide to go with the paid plans, there is no need to be on a monthly subscription as you can get more than a 20% discount on the annual plans, which aren't publically advertised.

Are you ready to sign up with Revolut? 

Or learn more about this digital bank in our Revolut review.

Would you prefer to join N26 instead?

Remember that N26 isn't available in the UK. Learn more about N26 in our N26 review.