European account comparison / Germany and France

Revolut vs N26: two European banks, different home schemes.

Revolut and N26 both offer app-led euro accounts, cards, travel tools and separate savings or investment products. The similarity ends at the interface. Revolut's approved Germany and France records route eligible deposits to the Lithuanian scheme at Revolut Bank UAB. N26 Bank SE uses the German statutory scheme. This page keeps the country, branch, plan and product boundaries visible.

Interactive European comparison

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The provider entity, home deposit scheme, plan price and available products can change by country. Select a market and job before reading the conditional verdict.

Show differences only

Conditional verdict

Choose by structure and workflow: N26 is the more direct German-bank relationship; Revolut offers a broader app ecosystem through a Lithuanian bank and German branch model.

Factors used: entity, deposit scheme, plan, local account.

Factor	Revolut	N26	Evidence
Account entity	Applicable German residents contract with Revolut Bank UAB's German branch when assigned a DE IBAN; some customers can remain with Revolut Bank UAB during migration.	N26 Bank SE directly provides the German bank account under its German licence and supervision.	SRC-REVOLUT-DE-TERMS · SRC-REVOLUT-FR-TERMS · SRC-N26-DE-BANKING
Eligible deposits	Eligible deposits at Revolut Bank UAB aggregate under Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor; branch service does not change the home scheme.	Eligible deposits at N26 Bank SE aggregate under Germany's Entschädigungseinrichtung deutscher Banken up to EUR 100,000 per depositor.	Revolut market deposit sheets · SRC-N26-DE-DEPOSIT-PROTECTION
Observed plans	Standard free; Plus EUR 2.99, Premium EUR 8.99, Metal EUR 15.99 and introductory Ultra EUR 65 per month in the observed schedule.	Standard free; Smart EUR 4.90, Go EUR 9.90 and Metal EUR 16.90 per month in the observed schedule.	Current approved market plan schedules
Cards	Virtual and physical card availability, delivery, replacement, exchange and benefit terms vary by plan and customer contract.	Standard includes a virtual card; the observed physical-card and premium-card conditions vary by plan.	Revolut and N26 plan schedules
ATM and cash	Withdrawal allowances, fair-use limits, plan pricing and ATM-operator charges require the applicable current fee schedule and transaction context.	Standard lists two, Smart three, Go five and Metal eight free euro ATM withdrawals monthly, then EUR 2 each; non-euro and operator fees vary.	SRC-N26-DE-ATM · market plan schedules
Travel and exchange	Multicurrency exchange and card travel tools are central, but allowance, weekend, fair-use and plan terms control the actual cost.	Euro bank account with card travel features; Go and Metal have broader non-euro withdrawal and insurance benefits under current terms.	Market plans and current fee terms
Savings	Deposit savings and any separate flexible cash fund must be distinguished; only eligible bank deposits receive the cited deposit protection.	Instant Savings can be an eligible N26 deposit; rate and availability depend on plan, customer and current offer.	Deposit sheets · N26 plan and product records
Investments	Stocks, funds, commodities and other investment services use separate entities, terms and asset risks; they are not insured bank deposits.	Stocks, ETFs, ready-made funds and flexible cash products are separate capital-risk products and can be unavailable by customer.	Market plan schedules · SRC-N26-PRODUCT-AVAILABILITY
Crypto	Crypto is a separate service with separate entities, custody, fees and asset risk; it does not inherit bank-deposit protection.	N26 Crypto availability is conditional and the crypto asset is not an eligible N26 deposit.	Market plans · deposit exclusions · SRC-N26-PRODUCT-AVAILABILITY
Eligibility	Residence, identity, account migration, DE-IBAN assignment, product and risk checks determine the exact German offer.	Age 18+, supported residence, device, identity documents, language and verification are required; approval and product access are not guaranteed.	Market terms · SRC-N26-DE-AVAILABILITY · SRC-N26-DE-OPENING
Support	In-app support and plan channels apply; this evidence set does not establish a response-time or resolution-quality result.	Logged-in chat is primary; phone support is limited to Premium plans in the cited guidance. No response outcome is guaranteed.	SRC-N26-SUPPORT · provider support terms

Account entity

Different

Revolut: Applicable German residents contract with Revolut Bank UAB's German branch when assigned a DE IBAN; some customers can remain with Revolut Bank UAB during migration.
N26: N26 Bank SE directly provides the German bank account under its German licence and supervision.
Evidence: SRC-REVOLUT-DE-TERMS · SRC-REVOLUT-FR-TERMS · SRC-N26-DE-BANKING

Eligible deposits

Different

Revolut: Eligible deposits at Revolut Bank UAB aggregate under Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor; branch service does not change the home scheme.
N26: Eligible deposits at N26 Bank SE aggregate under Germany's Entschädigungseinrichtung deutscher Banken up to EUR 100,000 per depositor.
Evidence: Revolut market deposit sheets · SRC-N26-DE-DEPOSIT-PROTECTION

Observed plans

Different

Revolut: Standard free; Plus EUR 2.99, Premium EUR 8.99, Metal EUR 15.99 and introductory Ultra EUR 65 per month in the observed schedule.
N26: Standard free; Smart EUR 4.90, Go EUR 9.90 and Metal EUR 16.90 per month in the observed schedule.
Evidence: Current approved market plan schedules

Cards

Different

Revolut: Virtual and physical card availability, delivery, replacement, exchange and benefit terms vary by plan and customer contract.
N26: Standard includes a virtual card; the observed physical-card and premium-card conditions vary by plan.
Evidence: Revolut and N26 plan schedules

ATM and cash

Different

Revolut: Withdrawal allowances, fair-use limits, plan pricing and ATM-operator charges require the applicable current fee schedule and transaction context.
N26: Standard lists two, Smart three, Go five and Metal eight free euro ATM withdrawals monthly, then EUR 2 each; non-euro and operator fees vary.
Evidence: SRC-N26-DE-ATM · market plan schedules

Travel and exchange

Different

Revolut: Multicurrency exchange and card travel tools are central, but allowance, weekend, fair-use and plan terms control the actual cost.
N26: Euro bank account with card travel features; Go and Metal have broader non-euro withdrawal and insurance benefits under current terms.
Evidence: Market plans and current fee terms

Savings

Different

Revolut: Deposit savings and any separate flexible cash fund must be distinguished; only eligible bank deposits receive the cited deposit protection.
N26: Instant Savings can be an eligible N26 deposit; rate and availability depend on plan, customer and current offer.
Evidence: Deposit sheets · N26 plan and product records

Investments

Similar evidence state

Revolut: Stocks, funds, commodities and other investment services use separate entities, terms and asset risks; they are not insured bank deposits.
N26: Stocks, ETFs, ready-made funds and flexible cash products are separate capital-risk products and can be unavailable by customer.
Evidence: Market plan schedules · SRC-N26-PRODUCT-AVAILABILITY

Crypto

Similar evidence state

Revolut: Crypto is a separate service with separate entities, custody, fees and asset risk; it does not inherit bank-deposit protection.
N26: N26 Crypto availability is conditional and the crypto asset is not an eligible N26 deposit.
Evidence: Market plans · deposit exclusions · SRC-N26-PRODUCT-AVAILABILITY

Eligibility

Different

Revolut: Residence, identity, account migration, DE-IBAN assignment, product and risk checks determine the exact German offer.
N26: Age 18+, supported residence, device, identity documents, language and verification are required; approval and product access are not guaranteed.
Evidence: Market terms · SRC-N26-DE-AVAILABILITY · SRC-N26-DE-OPENING

Support

Different

Revolut: In-app support and plan channels apply; this evidence set does not establish a response-time or resolution-quality result.
N26: Logged-in chat is primary; phone support is limited to Premium plans in the cited guidance. No response outcome is guaranteed.
Evidence: SRC-N26-SUPPORT · provider support terms

Legal structure

The branch label does not select a new deposit scheme.

A German Revolut customer with the applicable DE IBAN can contract through Revolut Bank UAB's German branch, while another customer can remain directly contracted with Revolut Bank UAB during migration. French terms similarly distinguish the French branch from direct Revolut Bank UAB customers. In both approved market deposit sheets, eligible deposits remain within Lithuania's Deposit and Investment Insurance, aggregated across eligible deposits at Revolut Bank UAB.

N26 Bank SE is a German bank. Its eligible deposits aggregate at N26 Bank SE under the Entschädigungseinrichtung deutscher Banken. The same home scheme remains relevant when the account is marketed in France; a French page and French residence do not establish FGDR coverage. Both schemes cite a EUR 100,000 per-depositor boundary, but the insured bank and aggregation set are different.

Plans and fees

Free plans coexist with action-specific costs.

Germany

Revolut's observed plan ladder runs from free Standard through Plus, Premium, Metal and introductory Ultra. N26 lists free Standard, then Smart, Go and Metal. Different names and prices do not prove value. Card delivery, replacement, cash withdrawal, exchange, insurance, investment and promotion conditions can add costs or change the result.

France

Revolut's observed France prices are higher than its Germany schedule for several comparable plan names, while N26's four observed French plan prices match its German headline schedule. That does not make N26 universally cheaper: the actual included card, cash, travel, savings, insurance and investment terms must match the job.

Cards, cash and travel

The cheapest plan is not always the cheapest trip.

Revolut starts as the broader multicurrency candidate because exchange and international card use are central to its product. The final cost can still depend on plan allowance, currency, timing, fair-use thresholds, card type and cash withdrawal. N26 starts as a euro bank account with travel features. Go and Metal may fit users who value bundled non-euro withdrawal or insurance terms more than a large multicurrency toolset.

German N26 evidence provides a particularly clear ATM table: Standard and Business list two, Smart three, Go five and Metal eight free euro withdrawals each month, followed by EUR 2 per excess withdrawal. Standard and Smart list a 1.7% non-euro withdrawal fee, while Go and Metal list no N26 non-euro withdrawal fee under the observed guidance. Operator charges and other conditions remain possible. Those exact counts are not copied into France.

Savings and protection

First classify the product as a deposit or an investment.

An eligible savings deposit can share the protection of the underlying bank account, subject to the same depositor, insured-bank and scheme aggregation. A flexible cash fund, stock, ETF, ready-made fund, commodity or crypto asset is different. Branding it inside the same app does not turn it into an insured deposit. Users should check the product entity, asset ownership, custody, fees, market risk and compensation arrangements separately.

The comparison therefore does not rank the largest advertised return. Rates are variable and access can depend on plan, residence, tax status and rollout. N26 explicitly warns that some products can be unavailable because of country, identity, partner or tax conditions. Revolut likewise separates group products and plan benefits from the bank account. A missing in-app tile is an eligibility result, not a contradiction of a generic marketing page.

Investments and crypto

Bank regulation does not insure market assets.

Both providers can surface investment or crypto products in supported markets. Those services can use different legal entities and agreements from the deposit account. Their assets can fall in value, their fees can differ by plan or trade, and their availability can change by residence or customer profile. Neither Lithuanian nor German deposit insurance protects the value of an investment or cryptocurrency merely because the app also contains an insured current account.

Choose Revolut first when

Start with Revolut when multicurrency exchange, a larger app ecosystem and frequent international use are central. Verify the exact German or French branch contract, IBAN, plan, exchange allowance, withdrawal schedule and separate product entity before deciding.

Choose N26 first when

Start with N26 when a direct N26 Bank SE relationship, a simpler euro account and its plan-specific travel or cash terms fit. Verify residence eligibility, card form, withdrawal allowance and product availability for the selected country.

Choose neither when

Use another institution when the job requires branches, extensive cash handling, a fixed savings return, guaranteed credit, business features outside the approved scope or local deposit protection in France. This comparison is not a universal bank recommendation.

Revolut review

Inspect the broader US, UK and market-scoping framework before relying on a feature or entity.

Open Revolut review

N26 review

Inspect German personal and freelancer accounts, plans, protection, cash, investments and the closed US record.

Open N26 review

Source ledger

Country, bank, product and observation date remain attached.

Legal terms control the contracting entity. Deposit sheets control the insured bank and home scheme. Plan and fee pages control dated prices. Product guidance controls eligibility and exclusions. NeobankDB does not let a model infer a missing market fact or turn a plan headline into a guaranteed transaction outcome.

Open SRC-REVOLUT-DE-TERMS

SRC-REVOLUT-DE-TERMS

Revolut Germany personal terms · Revolut · observed 2026-07-12

German residents with an applicable DE IBAN contract through Revolut Bank UAB's German branch; other customers can remain directly with Revolut Bank UAB pending migration.
Revolut Bank UAB is licensed in Lithuania and the German branch has separate local supervision within the cross-border framework.
Account scope, migration, payment, card and separate group products must be checked against the terms applying to the individual customer.

Open SRC-REVOLUT-DE-DEPOSIT-INSURANCE

SRC-REVOLUT-DE-DEPOSIT-INSURANCE

Revolut Germany deposit insurance information · Revolut · observed 2026-07-12

Eligible deposits held with Revolut Bank UAB are insured by Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.
All eligible deposits at Revolut Bank UAB aggregate for the limit, including accounts serviced through a branch.
Electronic money, investments and other excluded products are not converted into insured deposits by this disclosure.

Open SRC-REVOLUT-DE-PLANS

SRC-REVOLUT-DE-PLANS

Revolut personal plans in Germany · Revolut · observed 2026-07-12

The observed comparison lists Standard as free, Plus at EUR 2.99, Premium at EUR 8.99, Metal at EUR 15.99 and Ultra at EUR 65 per month as an introductory offer.
Plan benefits, exchange allowances, cards, withdrawals, insurance, investments and promotions have separate terms and can change.
The current in-app transaction preview and fee schedule control a specific transaction.

Open SRC-REVOLUT-FR-TERMS

SRC-REVOLUT-FR-TERMS

Revolut France personal terms · Revolut · observed 2026-07-12

The terms distinguish direct Revolut Bank UAB customers from customers of Revolut France, its French branch.
The applicable entity and account conditions depend on the customer's contract and account details.
French branch service does not by itself establish FGDR coverage or protection for separate products.

Open SRC-REVOLUT-FR-DEPOSIT-INSURANCE

SRC-REVOLUT-FR-DEPOSIT-INSURANCE

Revolut France deposit insurance information · Revolut · observed 2026-07-12

Eligible deposits held with Revolut Bank UAB are insured by Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.
All eligible deposits at Revolut Bank UAB aggregate for the limit, including branch-serviced accounts.
Electronic money, investments and excluded entities or products do not inherit this deposit coverage.

Open SRC-REVOLUT-FR-PLANS

SRC-REVOLUT-FR-PLANS

Revolut personal plans in France · Revolut · observed 2026-07-12

The observed comparison lists Standard as free, Plus at EUR 3.99, Premium at EUR 10.99, Metal at EUR 18.99 and Ultra at EUR 60 per month as an introductory offer.
Plan benefits, exchanges, cards, withdrawals, insurance, investments, crypto and promotions use separate conditions.
The transaction preview and current fee terms control a specific operation.

Open SRC-N26-DE-BANKING

SRC-N26-DE-BANKING

N26 banking features and German licence disclosure · N26 · observed 2026-07-12

N26 identifies N26 Bank SE as a fully licensed German bank supervised by BaFin.
The page describes a Standard account without an account-management fee plus card, payment, savings and app functions with product conditions.
Feature marketing does not establish universal eligibility, permanent pricing or protection for separate investments.

Open SRC-N26-DE-PLANS

SRC-N26-DE-PLANS

N26 personal plans in Germany · N26 · observed 2026-07-12

The observed schedule lists Standard as free, Smart at EUR 4.90 per month, Go at EUR 9.90 per month and Metal at EUR 16.90 per month.
Card, withdrawal, savings, insurance, investment and promotional conditions differ by plan and can change.
Applicants must meet residence, age, identity and compatible-device requirements stated by N26.

Open SRC-N26-DE-DEPOSIT-PROTECTION

SRC-N26-DE-DEPOSIT-PROTECTION

How N26 protects eligible deposits · N26 · observed 2026-07-12

N26 states that N26 Bank SE is a member of the Entschadigungseinrichtung deutscher Banken.
Eligible deposits are protected up to EUR 100,000 per depositor under the statutory German scheme, subject to scheme rules.
All eligible deposits held at N26 Bank SE aggregate for the limit; investment products are not converted into deposits.

Open SRC-N26-FR-PLANS

SRC-N26-FR-PLANS

N26 personal plans in France · N26 · observed 2026-07-12

The observed schedule lists Standard as free, Smart at EUR 4.90, Go at EUR 9.90 and Metal at EUR 16.90 per month.
Cards, withdrawals, savings, PEA, investments, crypto, insurance and promotions have separate plan conditions.
Investment and crypto products do not inherit deposit protection from the N26 bank account.

Open SRC-N26-DE-AVAILABILITY

SRC-N26-DE-AVAILABILITY

N26 account availability by country · N26 Support · observed 2026-07-12

N26 lists Germany and other supported European residence countries for current account opening and does not list the United States.
Residence in a listed country is necessary but not sufficient; identity, device, account, creditworthiness and product conditions still apply.
Products and services vary by country, so German plan, savings, credit, crypto or investment facts are not treated as global.

Open SRC-N26-DE-OPENING

SRC-N26-DE-OPENING

Opening an N26 account · N26 Support · observed 2026-07-12

Applicants must be at least 18, live in a supported country, own a compatible smartphone, hold supported identity documents and complete identity verification in a supported language.
A customer cannot already hold a personal or business account under the cited flow; a Freelancer account requires a Personal account first.
Minimum-creditworthiness and automated-decision conditions can lead to a German N26 Flex offer instead of the selected account and do not create an approval guarantee.

Open SRC-N26-DE-ATM

SRC-N26-DE-ATM

N26 cash withdrawal allowances and fees · N26 Support · observed 2026-07-12

For German terms, Standard and Business list two, Smart three, Go five and Metal eight free euro ATM withdrawals monthly, followed by a EUR 2 charge per excess withdrawal.
Standard and Smart list a 1.7% non-euro withdrawal fee while Go and Metal list free non-euro withdrawals; ATM operator and other conditions can still apply.
CASH26, Maestro, Flex and non-German account terms use different availability, fee and allowance rules.

Open SRC-N26-PRODUCT-AVAILABILITY

SRC-N26-PRODUCT-AVAILABILITY

Why N26 products can be unavailable · N26 Support · observed 2026-07-12

N26 states that product availability can depend on country, supported identity documents, partner requirements and tax status.
Certain savings or investment products can be unavailable to customers taxable in the United States even when their main European account is available.
One app and bank relationship does not make every credit, savings, investment, crypto, insurance or partner product universally available.

Open SRC-N26-SUPPORT

SRC-N26-SUPPORT

How to contact N26 · N26 Support · observed 2026-07-12

Secure logged-in chat is the primary support channel and is listed from 07:00 to 23:00 CET daily, including Sundays and bank holidays.
Phone support is limited to Premium plans under the cited page; visitor chat exists for login or access problems.
Published channels do not establish response time, resolution quality or reliability; NeobankDB did not contact support or test recovery.

Open SRC-N26-US-CLOSURE

SRC-N26-US-CLOSURE

N26 United States account closure update · N26 · observed 2026-07-12

N26 states that it no longer offers accounts in the United States and that all former US accounts are closed.
Remaining account balances were issued by check and historic account information requires a support request; former customers cannot log in to retrieve it.
The historical N26 Inc. partner-bank account is not the live N26 Bank SE German account and does not create current US availability.