Binance Card vs N26
Crypto native
E-money / FinTech
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- No specific audience can be derived from the published data yet.
N26 is a good fit for
- No specific audience can be derived from the published data yet.
Score by criterion
| Criterion | Binance Card | N26 |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 22 | – |
| Availability | – | 80 |
| FX & international | – | – |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | – | 80 |
| Transparency | – | – |
| Best for Cashback | 3.6 | n/a |
| Best for Low Fees | n/a | 7.7 |
| Best E-Money Card | n/a | 7.3 |
Product
Product status
ActiveShow source
Product status: Active
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo*Show source
Tiers / plans: Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo
Belgium/Spain pricing; EU page lists Smart at €9.90
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Belgium/Spain pricing; EU page lists Smart at €9.90
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Standard account
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard account
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
ATM fee
€2*Show source
ATM fee: €2
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Other fees & markups
1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)Show source
Other fees & markups: 1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Max cashback
8%*Show source
Max cashback: 8%
Up to; depends on BNB holdings (0.1%–8%)
Source states (paraphrased): Cashback of 0.1% to 8% for every purchase.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Up to; depends on BNB holdings (0.1%–8%)
Cashback paid in
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Availability
Available in
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland*Show source
Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
24 markets; France excludes overseas territories; residency requirements apply
Source states (paraphrased): N26 currently operates in 24 markets (list on the support page).
Source: Availability across Countries
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
24 markets; France excludes overseas territories; residency requirements apply
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
N26
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers