N26
n26.comBuild Difficulty: 5/5
Build a working replacement in a weekend with AI tools
The beautifully simple, 100% mobile bank
How to Replace N26Overview
Features
39 features across 17 categories
Account Management(4)
Tool to transfer recurring payments and setup from another bank in minutes
Dedicated debit cards for minors with parental controls
Joint account functionality for splitting expenses with others
Sub-accounts with dedicated IBAN and paired debit cards for organizing money and spending by category
Account Types(1)
Specialized account type for freelancers and self-employed individuals
Add-ons(1)
Integrated mobile phone plans available through N26 partnership
Budgeting & Analytics(1)
Automated tools for managing and organizing spending and savings goals
Cards(3)
Premium metal debit card included with Metal tier membership
Physical debit card with color customization options available with standard or express delivery
Instant digital debit card available immediately after account opening, can be added to Google Pay, Samsung Pay, or Apple Pay
Credit & Lending(3)
Credit facilities available with select account tiers
Ability to split purchases into installment payments
Overdraft protection available with premium account tiers
Insurance(9)
Coverage up to €2,000 for baggage loss or damage with Go and Metal tiers
Coverage up to €1 million for medical expenses and €250 for dental with Go and Metal tiers
Coverage up to €2,300 for emergency medical transport with Go and Metal tiers
Coverage up to €2,000 for mobile phone damage or theft with Metal tier
Coverage up to €500,000 for personal liability claims with Go and Metal tiers
Coverage up to €2,500 per claim for purchases with Metal tier
Coverage up to €500 for travel and baggage delays with Go and Metal tiers
Coverage up to €10,000 for trip cancellations with Go and Metal tiers
Coverage up to €10,000 for unexpected trip interruptions with Go and Metal tiers
Payments & Withdrawals(3)
Free ATM withdrawals in euros with limits varying by tier (2-8 per month) plus international ATM withdrawals with fees
Ability to deposit and withdraw cash at partner retail locations with 1.5% deposit fee
Free card payments worldwide without currency conversion fees
Platform(1)
Fully-featured mobile banking application available on compatible smartphones
Rewards & Cashback(1)
1% cashback on qualifying international transactions for up to 12 months with Go and Metal tiers
Rewards & Offers(1)
Exclusive offers and discounts from N26 partner merchants and services
Security & Onboarding(1)
In-app identity verification for account opening
Security & Protection(1)
FDIC-equivalent deposit insurance coverage up to €100,000
Support(2)
Round-the-clock customer support via in-app chat
Customer support via phone with priority line for premium tiers
Travel Benefits(2)
Access to airport lounges globally with discounted or free first visit for premium tiers
Affordable mobile data plans in over 100 countries through in-app eSIM purchase
Wealth & Investments(4)
Buy and sell Bitcoin and other cryptocurrencies with tiered fees (1-2.5% depending on coin and tier)
Structured investment planning and management tools
Pre-configured investment funds with management fees ranging from 0.29% to 0.55%
Fee-free stock and ETF trading with product costs and management fees applied
Wealth & Savings(1)
Interest-bearing savings accounts with rates varying by tier (0.25% to 2% p.a.)
Pricing
Standard
Popular- ✓Virtual card (first one free)
- ✓Physical card (€10)
- ✓Up to 10 Spaces sub-accounts with IBAN and card pairing
- ✓Up to 1 card for under 18s (€10 per card)
- ✓2 free ATM withdrawals per month in euros
- ✓1.5% Cash26 deposit fee
- ✓Budgeting automations
- ✓0.25% p.a. savings interest rate
- ✓Free stock and ETF trading
- ✓0.55% ready-made funds management fee
- ✓1.5% Bitcoin and 2.5% other crypto fees
- ✓Free worldwide card payments
- ✓1.7% ATM withdrawal fee outside eurozone
- ✓€33 per airport lounge visit
- ✓Up to €100,000 deposit protection
- ✓24/7 chat support
Smart
- ✓6 virtual cards
- ✓Physical card included (5 color options)
- ✓Up to 10 Spaces sub-accounts with IBAN and card pairing
- ✓Up to 2 free cards for under 18s
- ✓3 free ATM withdrawals per month in euros
- ✓1.5% Cash26 deposit fee
- ✓Budgeting automations
- ✓Credit and Overdraft
- ✓0.25% p.a. savings interest rate
- ✓Free stock and ETF trading
- ✓0.55% ready-made funds management fee
- ✓1.5% Bitcoin and 2.5% other crypto fees
- ✓Free worldwide card payments
- ✓1.7% ATM withdrawal fee outside eurozone
- ✓€33 per airport lounge visit
- ✓Up to €100,000 deposit protection
- ✓24/7 chat support
Go
- ✓6 virtual cards
- ✓Physical card included (5 color options)
- ✓Up to 10 Spaces sub-accounts with IBAN and card pairing
- ✓Shared Spaces and Joint account
- ✓Up to 2 free cards for under 18s
- ✓5 free ATM withdrawals per month in euros
- ✓1.5% Cash26 deposit fee
- ✓Budgeting automations
- ✓Credit, Overdraft, and Installments
- ✓0.55% p.a. savings interest rate
- ✓Free stock and ETF trading
- ✓0.39% ready-made funds management fee
- ✓1.5% Bitcoin and 2.5% other crypto fees
- ✓Investment plans
- ✓1% travel cashback on international transactions
- ✓Free worldwide card payments
- ✓Free ATM withdrawals outside eurozone
- ✓€15 first airport lounge visit, then €30
- ✓Travel eSIM
- ✓Travel and baggage delay insurance (up to €500)
- ✓Baggage cover insurance (up to €2,000)
- ✓Emergency medical and dental insurance (up to €1M medical, €250 dental)
- ✓Emergency medical transport insurance (up to €2,300)
- ✓Trip interruption insurance (up to €10,000)
- ✓Trip cancellation insurance (up to €10,000)
- ✓Personal liability insurance (up to €500,000)
- ✓N26 SIM mobile plans
- ✓15+ partner offers
- ✓Up to €100,000 deposit protection
- ✓24/7 chat support
- ✓Phone support with priority line
Metal
- ✓6 virtual cards
- ✓Metal card included (3 colors)
- ✓Up to 10 Spaces sub-accounts with IBAN and card pairing
- ✓Shared Spaces and Joint account
- ✓Up to 5 free cards for under 18s
- ✓8 free ATM withdrawals per month in euros
- ✓1.5% Cash26 deposit fee
- ✓Budgeting automations
- ✓Credit, Overdraft, and Installments
- ✓2% p.a. savings interest rate (Instant Savings account)
- ✓Free stock and ETF trading
- ✓0.29% ready-made funds management fee
- ✓Reduced crypto fees (1% Bitcoin, 2% other coins for amounts up to €5,000/month)
- ✓Investment plans
- ✓1% travel cashback on international transactions
- ✓Free worldwide card payments
- ✓Free ATM withdrawals outside eurozone
- ✓Free first airport lounge visit, then €30
- ✓Travel eSIM
- ✓Travel and baggage delay insurance (up to €500)
- ✓Baggage cover insurance (up to €2,000)
- ✓Emergency medical and dental insurance (up to €1M medical, €250 dental)
- ✓Emergency medical transport insurance (up to €2,300)
- ✓Trip interruption insurance (up to €10,000)
- ✓Trip cancellation insurance (up to €10,000)
- ✓Personal liability insurance (up to €500,000)
- ✓Mobile phone insurance (up to €2,000)
- ✓Purchase protection (up to €2,500 per claim)
- ✓N26 SIM mobile plans
- ✓20+ partner offers
- ✓Up to €100,000 deposit protection
- ✓24/7 chat support
- ✓Phone support with priority line
Cost Calculator
Keep Paying N26
Build It Yourself
Total Cost Comparison
DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 39 features at very easy complexity.
Build vs Buy
Should you build a N26 alternative or buy the subscription? Estimate based on 39 features.
Buy N26
Better ValueBuild Your Own
Buying N26 saves ~$35,196 over 3 years vs building.
Estimates based on 39 features and a BuildScore of 5/5. Actual costs vary.
Integrations
5 known integrations