N26 vs Solayer Pay
E-money / FinTech
Crypto native
Verdict
- N26 and Solayer Pay have the same overall score (6.2/10).
- N26 is clearly stronger on: Availability, FX & international.
- 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
- Frequent travellers
Stronger on: Availability, FX & international
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | N26 | Solayer Pay |
|---|---|---|
| Fees | 82 | 83 |
| Cashback & rewards | 4 | – |
| Availability | 70 | 50 |
| FX & international | 100 | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 66 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 4.1 | n/a |
| Best for Travel | 7.6 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | n/a | 6.5 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | 4.7 | 5.5 |
| Best for Low Fees | 8.6 | 7.0 |
| Best for Beginners | 7.1 | 7.5 |
| Best E-Money Card | 8.2 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Stablecoin cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Tiers / plans
Standard · Smart · Go · MetalShow source
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard account
Physical card fee
€10Conditions apply: tap or hover for detailsShow source
Standard plan; included in Smart, Go and Metal
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
First virtual card free on Standard
FX fee
0%Conditions apply: tap or hover for detailsShow source
Page lists worldwide card payments as free on all plans; exchange rate not stated on this page
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Crypto conversion fee
1.5%Conditions apply: tap or hover for detailsShow source
N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month
Top-up fee
1%Show source
ATM fee
1.7%Conditions apply: tap or hover for detailsShow source
Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)Show source
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Standard: no cashback; Go and Metal get 1% travel cashback
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only
Cashback type
PointsShow source
Interest on balance
0.3%Conditions apply: tap or hover for detailsShow source
Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Every transaction earns Solayer Card Points (Season 2), for future LAYER token rewards and partner perks · Referrers earn 10% of their referrals' pointsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow source
Availability
Available in
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, SwitzerlandConditions apply: tap or hover for detailsShow source
21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Only Go and Metal plans (not Standard)
Purchase protection
NoConditions apply: tap or hover for detailsShow source
Only Metal plan
Blockchains
Solayer ChainShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Security & custody
Regulation / licences
German full banking licence (BaFin)Show source
Deposit protection
YesConditions apply: tap or hover for detailsShow source
Up to €100,000
Annual cost at 1,500 EUR/month
N26
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−20 EUR
- Cashback+0 EUR
- Net annual value-20 EUR
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers