N26 vs Wise
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
N26 offers more features (39 vs 22) and more integrations (5 vs 0). Starting price: N26 at $4.9/mo vs Wise at Free. N26 has 37 unique features while Wise has 20 unique features, with 2 features in common.
| N26 | Wise | |
|---|---|---|
| Category | Payment Processing | Payment Processing |
| Total Features | 39 | 22 |
| AI-Powered Features | 0 | 1 |
| Starting Price | $4.9/mo | Free |
| Pricing Tiers | 4 | 7 |
| Integrations | 5 | 0 |
| Shared Features | 2 | |
| Shared Integrations | 0 | |
| Data Quality | 80% | 60% |
Feature Comparison by Category
Account Management (4 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Bank Account Switching | ||
| Cards for Under 18s | ||
| Shared Spaces | ||
| Spaces Sub-accounts | ||
| Wise Account |
Account Types (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Freelancer Account |
Add-ons (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| N26 SIM Mobile Plans |
Budgeting & Analytics (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Budgeting Automations |
Business (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Business Account |
Cards (3 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Metal Card | ||
| Physical Card | ||
| Virtual Card |
Cash Access (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| ATM Withdrawals |
Compliance (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Regulatory Compliance |
Core Transfer (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| International Money Transfer |
Credit & Lending (3 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Credit | ||
| Installments | ||
| Overdraft |
Currency Exchange (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Currency Conversion |
Insurance (9 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| 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 |
Integration (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| E-wallet Top-up |
Interest/Returns (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Interest on Holdings |
Investment (0 vs 2)
| Feature | N26 | Wise |
|---|---|---|
| Stocks Feature | ||
| Wise Interest Feature |
Mobile (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Mobile App |
Payment Card (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Wise Debit Card |
Payments & Withdrawals (3 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| ATM Withdrawals | ||
| Cash26 Deposits and Withdrawals | ||
| Worldwide Card Payments |
Platform (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Mobile App |
Pricing (0 vs 2)
| Feature | N26 | Wise |
|---|---|---|
| Transparent Pricing | ||
| Volume Discounts |
Protection (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Locked Exchange Rate |
Receiving (0 vs 2)
| Feature | N26 | Wise |
|---|---|---|
| Global Account Details | ||
| Receive Money in Multiple Currencies |
Rewards & Cashback (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Travel Cashback |
Rewards & Offers (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Partner Offers |
Security (0 vs 2)
| Feature | N26 | Wise |
|---|---|---|
| Fraud Detection | ||
| Safeguarded Funds |
Security & Onboarding (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| ID Verification |
Security & Protection (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Deposit Protection |
Social (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Free Transfers Between Friends |
Speed (0 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| Fast Transfers |
Support (2 vs 1)
| Feature | N26 | Wise |
|---|---|---|
| 24/7 Chat Support | ||
| 24/7/365 Customer Support | ||
| Phone Support |
Travel Benefits (2 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Airport Lounge Access | ||
| Travel eSIM |
Wealth & Investments (4 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Cryptocurrency Trading | ||
| Investment Plans | ||
| Ready-made Funds | ||
| Stocks and ETFs Trading |
Wealth & Savings (1 vs 0)
| Feature | N26 | Wise |
|---|---|---|
| Savings Interest Rate |
Unique Features
Only in N26 (37)
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
+ 17 more unique features
Only in Wise (20)
Wise Account
Business Account
Regulatory Compliance
International Money Transfer
Currency Conversion
E-wallet Top-up
Interest on Holdings
Stocks Feature
Wise Interest Feature
Wise Debit Card
Transparent Pricing
Volume Discounts
Locked Exchange Rate
Global Account Details
Receive Money in Multiple Currencies
Fraud Detection
Safeguarded Funds
Free Transfers Between Friends
Fast Transfers
24/7/365 Customer Support
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