Contents
Over 45 million Europeans use neobanks. This guide compares N26, Revolut, and Wise for 2026.
Top Digital Banks Compared
| Feature | N26 | Revolut | Wise |
|---|---|---|---|
| Free Plan | Yes | Yes | Yes |
| Multi-Currency | Limited | 30+ | 50+ |
| FX Fee | 0.3-1.5% | 1% above 1K/mo | 0.33-2% |
| Investing | Via partner | Stocks, crypto | No |
| Deposit Protection | 100K EUR | 100K EUR | 100K EUR |
N26 – Best for Euro Daily Banking
German-based, clean app, 10-minute signup. Best for euro-zone residents.
Revolut – Best All-Rounder
Multi-currency, stock/crypto trading, travel insurance. Free 200 EUR/month FX.
Wise – Best for International Transfers
Cheapest international transfers with mid-market rates. Local bank details in 10+ currencies.
Which Should You Choose?
- Only EUR: N26
- Multi-currency + investing: Revolut
- International transfers: Wise
- Best combo: N26 + Wise
Key Takeaways
- N26: best euro daily banking
- Revolut: most features
- Wise: cheapest international
- All offer 100K EUR deposit protection
FAQ
Are digital banks safe?
Yes – all have EU banking licenses with 100K EUR deposit protection.
Can I use multiple?
Yes. Many Europeans use N26 + Wise together.
