Verdict
- At least one of the two cards does not have enough published data for an overall score.
- N26 is clearly stronger on: Fees, Availability, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
N26 is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Availability, Limits & ATM
Oobit is a good fit for
- People who want to keep control of their keys
Score by criterion
| Criterion | N26 | Oobit |
|---|---|---|
| Fees | 100 | 22 |
| Cashback & rewards | – | 40 |
| Availability | 80 | 10 |
| FX & international | – | – |
| Product features | – | 100 |
| Custody & security | – | 80 |
| Credit & financing | – | – |
| Limits & ATM | 80 | 50 |
| Transparency | – | 93 |
| Best for Cashback | n/a | 4.3 |
| Best for Travel | n/a | 4.8 |
| Best for Self-Custody | n/a | 6.5 |
| Best for DeFi Users | n/a | 6.0 |
| Best for High Spenders | n/a | 4.6 |
| Best for Low Fees | 7.7 | 4.4 |
| Best for Beginners | n/a | 6.2 |
| Best E-Money Card | 7.3 | n/a |
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%
ActiveShow source
Product status: Active
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Crypto stays in your wallet until the moment you pay
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto stays in your wallet until the moment you pay
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
Crypto conversion fee
0.95%*Show source
Crypto conversion fee: 0.95%
Swaps; 3% when swapping into OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Swaps; 3% when swapping into OOB
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)
2.5% (min. $0.25)*Show source
ATM fee: 2.5% (min. $0.25)
Plus ATM operator fees
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus ATM operator fees
Settlement fee
1% (min. $0.25)*Show source
Settlement fee: 1% (min. $0.25)
Per card payment (Brazil: 1%, no minimum)
Source states (paraphrased): 1% per payment, with a minimum of $0.25.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per card payment (Brazil: 1%, no minimum)
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
10%*Show source
Max cashback: 10%
Up to
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to
Cashback-eligible spend cap
$200/month*Show source
Cashback-eligible spend cap: $200/month
When paying with tokens other than OOB; $10,000/month when paying with OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
When paying with tokens other than OOB; $10,000/month when paying with OOB
Cashback conditions
Higher cashback cap requires paying with the OOB tokenShow source
Cashback conditions: Higher cashback cap requires paying with the OOB token
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
United Arab Emirates, Saudi Arabia, South Korea*Show source
Available in: United Arab Emirates, Saudi Arabia, South Korea
Oobit lists 74 countries; only countries with a dedicated official page are recorded
Source: Crypto Card UAE
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Oobit lists 74 countries; only countries with a dedicated official page are recorded
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
Google Pay
Yes*Show source
Google Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
N26
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Oobit
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 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