N26 vs Wise Card
E-money / FinTech
E-money / FinTech
Verdict
- Wise Card scores higher overall (7.8 vs 7.5 out of 10).
- N26 is clearly stronger on: FX & international, Limits & ATM.
- Wise Card is clearly stronger on: Availability.
- 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: FX & international, Limits & ATM
Wise Card is a good fit for
- Frequent travellers
Stronger on: Availability
Score by criterion
| Criterion | N26 | Wise Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | 70 | 100 |
| FX & international | 100 | 83 |
| Product features | 100 | 100 |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | 66 | 51 |
| Transparency | 79 | 86 |
| Best for Travel | 8.6 | 8.1 |
| Best for High Spenders | 7.1 | 6.7 |
| Best for Low Fees | 9.2 | 8.6 |
| Best for Beginners | 8.1 | 8.7 |
| Best E-Money Card | 9.1 | 8.8 |
Product
Product status
ActiveShow source
Product status: Active
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
ActiveShow source
Product status: Active
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Free virtual debit card
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Select the option to order your Wise debit card
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): qualifying transactions made with your N26 Mastercard
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Standard account
Free*Show source
Monthly fee: Free
No subscription required
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No subscription required
Physical card fee
€10*Show source
Physical card fee: €10
Standard plan; included in Smart, Go and Metal
Source states (paraphrased): Physical card €10
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Standard plan; included in Smart, Go and Metal
£7*Show source
Physical card fee: £7
UK one-time fee; US $9; EUR fee not captured; virtual card free
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
UK one-time fee; US $9; EUR fee not captured; virtual card free
Virtual card fee
Free*Show source
Virtual card fee: Free
First virtual card free on Standard
Source states (paraphrased): Free virtual debit card
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
First virtual card free on Standard
FreeShow source
Virtual card fee: Free
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
0%*Show source
FX fee: 0%
Page lists worldwide card payments as free on all plans; exchange rate not stated on this page
Source states (paraphrased): Worldwide card payments Free
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Page lists worldwide card payments as free on all plans; exchange rate not stated on this page
0.43%*Show source
FX fee: 0.43%
From; varies by currency pair; 0% when spending a currency you hold
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
From; varies by currency pair; 0% when spending a currency you hold
Top-up fee
Free*Show source
Top-up fee: Free
Domestic bank transfer only; other payment methods have varying fees
Source states (paraphrased): it’s free if you send a domestic bank transfer to your Wise account details
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Domestic bank transfer only; other payment methods have varying fees
ATM fee
1.7%*Show source
ATM fee: 1.7%
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
Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
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
2.69%*Show source
ATM fee: 2.69%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€250/month*Show source
Free ATM allowance: €250/month
Eurozone-issued cards; no limit on the number of free withdrawals
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Eurozone-issued cards; no limit on the number of free withdrawals
Other fees & markups
1.7% fee on ATM withdrawals outside the eurozone with Standard and Smart (free with Go and Metal)Show source
Other fees & markups: 1.7% fee on ATM withdrawals outside the eurozone with Standard and Smart (free with Go and Metal)
Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount*Show source
Other fees & markups: Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount
Spending a currency you hold is free
Source states (paraphrased): There may be a fee to get or replace your card.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Spending a currency you hold is free
Availability
Available in
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland*Show source
Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland
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
Source states (paraphrased): We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM)
Source: Availability across Countries
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
Australia, Brazil, Canada, EEA, Switzerland, GF, GP, MQ, YT, RE, BL, MF, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, FK, GG, GI, IM, JE, KY, AD, MC, PM, SX, United States*Show source
Available in: Australia, Brazil, Canada, EEA, Switzerland, GF, GP, MQ, YT, RE, BL, MF, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, FK, GG, GI, IM, JE, KY, AD, MC, PM, SX, United States
Personal customers; USA except residents of Nevada; Thailand only for accounts registered on or after 21 January 2026; business customers in Malaysia excluded; includes French overseas departments/regions and UK-linked European microstates and overseas territories
Source states (paraphrased): The Wise card is available to personal customers that live in these countries and regions:
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Personal customers; USA except residents of Nevada; Thailand only for accounts registered on or after 21 January 2026; business customers in Malaysia excluded; includes French overseas departments/regions and UK-linked European microstates and overseas territories
Not available in
Hong Kong*Show source
Not available in: Hong Kong
Cards are blocked on moving to Hong Kong; no new card offered
Source states (paraphrased): If you move to Hong Kong, we have to automatically block your Wise cards
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Cards are blocked on moving to Hong Kong; no new card offered
Account / spend currencies
EUR · GBP · USD · and many moreShow source
Account / spend currencies: EUR · GBP · USD · and many more
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Own IBAN / bank details
YesShow source
Own IBAN / bank details: Yes
Source states (paraphrased): Give your N26 account IBAN to your employer
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Own IBAN / bank details: Yes
Personal accounts; business accounts may pay a one-time setup fee
Source states (paraphrased): Getting account details is free for personal accounts.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Personal accounts; business accounts may pay a one-time setup fee
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Apple Pay: Yes
Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Google Pay: Yes
Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): If you ordered a physical debit card, this will arrive via post.
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Physical card: Yes
Source states (paraphrased): This applies to both physical and digital cards.
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Free virtual debit card
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Virtual card: Yes
Source states (paraphrased): This applies to both physical and digital cards.
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): 2 free ATM withdrawals in euros
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Withdrawing cash from ATMs is free up to a certain amount.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Security & custody
Regulation / licences
German full banking licence (BaFin)Show source
Regulation / licences: German full banking licence (BaFin)
Source states (paraphrased): N26 has been granted a full German banking license from BaFin.
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Wise Europe SA: payment institution authorised by the National Bank of Belgium*Show source
Regulation / licences: Wise Europe SA: payment institution authorised by the National Bank of Belgium
EEA entity (France page)
Source states (paraphrased): Wise Europe SA is a Payment Institution authorised by the National Bank of Belgium.
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
EEA entity (France page)
Deposit protection
Yes*Show source
Deposit protection: Yes
Up to €100,000
Source states (paraphrased): protected up to €100,000 by the German Deposit Guarantee Scheme
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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
- Cashbackunknown
- Net annual valuenot enough data
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 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