Revolut vs N26.
Revolut (R91/100) and N26 (N85/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads N26 5-2.
| N N26 №03 · BaFin 85 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 85 /100 | 91 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank BaFin | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 24 countries | 48 countries |
| Crypto Coins available | 400 coins | 280 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.1 ★ 130k reviews | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.8 · And 4.4 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
- Best for fees Revolut won 2 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Tied
Revolut vs N26 — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is N26 better than Revolut?
Under our v3 methodology, Revolut leads N26 5–2 across 12 dimensions. Composite scores: N26 85/100 vs Revolut 91/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is N26 or Revolut cheaper?
Monthly fee — N26: €0; Revolut: €0. Card FX markup — N26: Interbank; Revolut: Interbank. Revolut wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, N26 or Revolut?
N26 holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use N26 and Revolut?
N26 operates in 24 countries; Revolut operates in 48 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.