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N26 — Love your bank

play.google.com
Summary

N26 is a mobile banking app that allows users to manage finances, make instant transfers, save money with interest, and invest in stocks and ETFs. It offers various account types, including business and joint accounts, along with features like ATM access, spending insights, and customizable card designs.

Features
11/12
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Must Have

4 of 5

Instant P2P Transfers

Prepaid Debit Card (Cash App Card)

Early Direct Deposit

Commission-Free Stock Trading

Bitcoin Trading

Other

7 of 7

Fraud Monitoring & Security

High-Yield Savings

Round-Up Savings

Pay Over Time (Afterpay)

Instant Discounts & Offers

Customizable Card Designs

ATM Access & Fee Reimbursement

Pricing
Freemium
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N26 Smart

Custom

N26 You

Custom
  • Free ATM withdrawals abroad
  • Use card anywhere with no foreign transaction fees
  • Insurance coverage

N26 Metal

Custom
  • Free ATM withdrawals abroad
  • Use card anywhere with no foreign transaction fees
  • Insurance coverage
  • Highest interest rate on savings (linked to ECB)
Rationale

N26 is a strong competitor as it offers a comprehensive mobile banking experience with many features aligning with Cash App's offerings. It explicitly mentions instant transfers (P2P), a virtual Mastercard (prepaid debit card), savings accounts with interest, round-up savings, and investment features including stocks and ETFs. While it doesn't explicitly state 'early direct deposit' or 'bitcoin trading' in the provided content, its core banking and investment features are very similar. The app also highlights security features and customizable card designs.

Links
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