N26 vs PayByPhone
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
N26 offers more features (39 vs 9) and more integrations (5 vs 2). Starting price: N26 at $4.9/mo vs PayByPhone at Contact Sales. N26 has 39 unique features while PayByPhone has 9 unique features, with 0 features in common.
| N26 | PayByPhone | |
|---|---|---|
| Category | Payment Processing | Payment Processing |
| Total Features | 39 | 9 |
| AI-Powered Features | 0 | 0 |
| Starting Price | $4.9/mo | Contact Sales |
| Pricing Tiers | 4 | 0 |
| Integrations | 5 | 2 |
| Shared Features | 0 | |
| Shared Integrations | 2 | |
| Data Quality | 80% | 30% |
Feature Comparison by Category
Account Management (4 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Bank Account Switching | ||
| Cards for Under 18s | ||
| Shared Spaces | ||
| Spaces Sub-accounts |
Account Types (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Freelancer Account |
Add-ons (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| N26 SIM Mobile Plans |
Budgeting & Analytics (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Budgeting Automations |
Cards (3 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Metal Card | ||
| Physical Card | ||
| Virtual Card |
Coverage/Availability (0 vs 1)
| Feature | N26 | PayByPhone |
|---|---|---|
| Wide Location Coverage |
Credit & Lending (3 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Credit | ||
| Installments | ||
| Overdraft |
Digital Wallets (0 vs 2)
| Feature | N26 | PayByPhone |
|---|---|---|
| Apple Pay Integration | ||
| Google Pay Integration |
Enterprise Features (0 vs 2)
| Feature | N26 | PayByPhone |
|---|---|---|
| Fleet Management | ||
| Parking Operator Tools |
Insurance (9 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Baggage Cover Insurance | ||
| Emergency Medical Transport Insurance | ||
| Emergency Medical and Dental Insurance | ||
| Mobile Phone Insurance | ||
| Personal Liability Insurance | ||
| Purchase Protection | ||
| Travel and Baggage Delay Insurance | ||
| Trip Cancellation Insurance | ||
| Trip Interruption Insurance |
Parking Management (0 vs 1)
| Feature | N26 | PayByPhone |
|---|---|---|
| Session Extension |
Payment Methods (0 vs 1)
| Feature | N26 | PayByPhone |
|---|---|---|
| Credit/Debit Card Payment |
Payment Processing (0 vs 1)
| Feature | N26 | PayByPhone |
|---|---|---|
| Mobile App Payment |
Payments & Withdrawals (3 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| ATM Withdrawals | ||
| Cash26 Deposits and Withdrawals | ||
| Worldwide Card Payments |
Platform (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Mobile App |
Rewards & Cashback (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Travel Cashback |
Rewards & Offers (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Partner Offers |
Security & Onboarding (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| ID Verification |
Security & Protection (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Deposit Protection |
Support (2 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| 24/7 Chat Support | ||
| Phone Support |
Travel Benefits (2 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Airport Lounge Access | ||
| Travel eSIM |
User Onboarding (0 vs 1)
| Feature | N26 | PayByPhone |
|---|---|---|
| Quick Registration |
Wealth & Investments (4 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Cryptocurrency Trading | ||
| Investment Plans | ||
| Ready-made Funds | ||
| Stocks and ETFs Trading |
Wealth & Savings (1 vs 0)
| Feature | N26 | PayByPhone |
|---|---|---|
| Savings Interest Rate |
Unique Features
Only in N26 (39)
Bank Account Switching
Cards for Under 18s
Shared Spaces
Spaces Sub-accounts
Freelancer Account
N26 SIM Mobile Plans
Budgeting Automations
Metal Card
Physical Card
Virtual Card
Credit
Installments
Overdraft
Baggage Cover Insurance
Emergency Medical and Dental Insurance
Emergency Medical Transport Insurance
Mobile Phone Insurance
Personal Liability Insurance
Purchase Protection
Travel and Baggage Delay Insurance
+ 19 more unique features
Only in PayByPhone (9)
Wide Location Coverage
Apple Pay Integration
Google Pay Integration
Fleet Management
Parking Operator Tools
Session Extension
Credit/Debit Card Payment
Mobile App Payment
Quick Registration
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