A quick review: N26 and Monese. N26, originally called Number 26, was founded in February and is currently headquartered in Berlin. Viele Funktionen gibt es auch bei anderen Smartphone-Banken und Direktbanken. Geht es Ihnen vor allem um die Kosten, nutzen Sie den Finanztip-. Want fast, flexible, and transparent banking? Meet N Open an account in 5 minutes and experience mobile banking the world loves. With 5 million customers.
Girokonto von N26Do you agree with N26's 4-star rating? Check out what I even referred some friends and family to open an account because the bank worked very well. Join N26 to get a free bank account within minutes—all you need is your smartphone. You'll receive a free contactless Mastercard Debit, as well as features. Von solchen Bewertungen können andere hiesige Direktbanken nur Bitte: „If you're interested in leaving a review about N26, it'll only take a.
N26 Bank Review Features of N26 Video💳 N26 test: 2-Year Review of the Free Online Bank Account (+Security Tips)
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Digital banking. Charlie Barton. Fact checked. The verdict How N26 compares. Manage whole account from a well made app.
Relatively new to the UK, so a bit early to judge. What's in this review? What is N26? How does N26 work? How does the app look?
Best for App experience. Starling Bank. Best for Connecting all accounts. Best for Ease of opening. Best for Simple banking.
Santander Everyday Current Account. When it does, the N26 account can be used immediately. As N26 points out on their UK promo, it is the only mobile bank that has a full banking license.
Revolut also offers many of the same services that N26 does. Last year it was granted a specialized banking license in Lithuania, which puts it into a similar category.
Besides N26 and Revolut there are a few other mobile platforms that offer similar functionality, with varying levels of depositor safety.
For many years, banks were bastions of conservative thinking, with few innovative services to offer. N26 and Revolut have emerged as the two most popular options for people who want to use a digital bank.
The two companies offer very similar services, though there are a few differences between them. One of the biggest differences between N26 and Revolut is the deposit guarantees they offer.
N26 is licensed in Germany, which means that it can offer the same deposit guarantee than any other European bank does.
From the standpoint of functionality, the two platforms are extremely similar. N26 offers its clients the ability to use a desktop to access its banking system, while Revolut is mobile-only.
N26 is totally free to use and will charge a small percentage if clients withdrawal cash more than 5 times per month from an ATM.
This makes both platforms a little less attractive for people that need to use a lot of cash on a day-to-day basis. Read: Our Full Review of Revolut.
Both N26 and Revolut offer free spending with a debit card, and there is no charge for the debit card with N As mentioned above, N26 works with TransferWise to make super cheap international money transfers a reality.
Revolut offers its clients fast money transfers to up to countries from a Revolut account, and it charges the interbank rate at the time of the transfer.
If you need to make international money transfers frequently, both N26 and Revolut are great platforms for the job. One area where Revolut stands out is with its options for clients to hold funds as crypto derivatives.
Both N26 and Revolut offer savings plans and spending metrics, as well as push notifications to alert clients to what is happening with their account.
Revolut has a savings feature called Vault which will automatically round up the value of a transaction to the nearest currency unit, and save the change in a special account.
It is pretty hands and makes saving simple. There are many people who might not fully trust a bank that exists solely on the internet.
A bank without a physical presence might be frightening to some, but it does offer great services with little cost to its customers. No Yes.
Last updated: 28th February Reader Rating 34 Votes. Visit N Jump to:. Bottom line. N26 is taking the world by storm. It's certainly one of the better new digital banks we've tested out.
There are perhaps a few comparable accounts with other providers, but it's hard to beat N26's app that is packed full of features. And if you love travelling the world, there are many benefits.
Manage your account on your smartphone, or use the web browser. View categorised spending, with monthly reports for budgeting.
Discreet mode to hide financial figures. Debit cards can take up to 10 working days to arrive. Many features are slow to roll out in the UK.
Very dodgy. Ripped off by one of their customers and they refuse to discuss it. Leave a Reply Cancel reply Your email address will not be published.
See all results. To get the benefit of N26 and protect yourself we would recommend limiting the funds you keep with them which means that you get all the benefits N26 offers with limited downside.
There are five alternatives to N26 that we found for the UK, US and Australia with TransferWise Borderless review account being the most available practically world wide and with have similar apps, foreign currency accounts and cards.
These options are not immune from regulations and indeed have many of the same issues. In general, if smaller money transfers is likely to be something you will need to do then TransferWise Borderless is certainly worth a look because they started life as a money transfer service and eliminate the use of a 3rd party which makes things usually run smoother.
If business in multiple currencies is you main driver Revolut is also worthy of comparison. Our comparison of Revolut with N26 might also help you to decide.
You can be up and running in just a few minutes. All you need to do is download the app, fill in the details, agree to terms and conditions and order your card.
Thanks to its lean organisational structure and fully online business model, N26 is able to keep its operating costs very low and transfer these savings to their customers.
They have entered into partnership with some of the most reputed companies in the financial sector. For foreign exchange, they have tied up with TransferWise, Auxmoney for credit and Allianz and Clark for insurance.
You need to upload a selfie and a photo ID which is done within the app itself and takes 30 seconds. Onec you are done with the first and second step, you need to pair your smartphone to the N26 bank account you created.
It is important to make sure that the phone number you entered in the initial step is correct as you will be receiving a 4 digit verification code.
You can change the number later but if it was entered incorrectly, you will be stuck on this step. Once your mobile number is verified, just wait for your MasterCard to arrive.
Since N26 is a regulated bank, you can expect some important safeguards. N26 uses a variety of operational and technical measures to give you extra control and safety.
Some of the safety measures include:. The N26 mobile bank app offers you complete control of your account which allows to set and change daily limits, reset PIN, and enable or disable foreign or online payments.
You can also get your card customized as per your requirements. The app provides a fingerprint login and FaceID options so that you can login by using your fingerprint instead of typing the password every time as an added security feature.
Also, you get instantly notified of all the actions you perform on your N26 account. So, you can be assured that your account is fully secure and your transactions are safe.
I think this problem is due to them not correctly setting their account security to work outside their area. The N26 bank is one of those handful banking platforms that offers consumers some of the most widely used baking services for rock bottom prices.
And since it operates with a full German baking license, it is ahead of many of the other platforms in terms of deposit safety. The company was not formed to fleece it customers with loads of fees which is how other banks make profit.
The only drawback about N26 is their short track record. N26 entered the global banking scene at the time of relative calm. It is hard to judge how they will react to tough times in the financial market, if they come across it.
N26 is a great way to make the most of the accustomed features of a regular bank in a complete digital way. This means no more standing in long queues, waiting for your turn, and going through all the hassle and documentation.
From easy cash withdrawals at ATMs to international money transfers at exchange rates with low fees, N26 has a lot to offer.For foreign exchange, they have tied up with TransferWise, Auxmoney for credit and Allianz and Clark for insurance. This bank is a joke This bank is a joke I had an account Biggest Twitch Streamers them for around two years I had a metal card which I paid Although N26 has a three-part security system, which consists of account protection, secure login, and smartphone pairing, it remains to be seen if they are impervious to data breaches, like many other online platforms, including banks, have experienced. The problem had already been resolved in the meantime because it was clearly a problem with the app and not with my device.