Bitpanda Card vs N26
Crypto native
E-money / FinTech
Verdict
- Bitpanda Card scores higher overall (6.8 vs 6.1 out of 10).
- Bitpanda Card is clearly stronger on: Fees, Cashback & rewards.
- For 1,500 EUR/month of spend, Bitpanda Card comes out about 176 EUR a year ahead on base-tier terms.
Bitpanda Card is a good fit for
- Frequent travellers
Stronger on: Fees, Cashback & rewards
N26 is a good fit for
- Frequent travellers
Score by criterion
| Criterion | Bitpanda Card | N26 |
|---|---|---|
| Fees | 100 | 82 |
| Cashback & rewards | 21 | 4 |
| Availability | 70 | 70 |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | 66 |
| Transparency | 86 | 79 |
| Best for Cashback | 5.2 | 4.1 |
| Best for Travel | 7.9 | 7.6 |
| Best for DeFi Users | 6.2 | n/a |
| Best for High Spenders | 5.5 | 4.6 |
| Best for Low Fees | 9.2 | 8.4 |
| Best for Beginners | 7.5 | 6.8 |
| Best E-Money Card | n/a | 8.1 |
Product
Product status
ActiveShow source
Product status: Active
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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%
Card type
Debit cardShow source
Card type: Debit card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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%
Network
VisaShow source
Network: Visa
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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%
Custody model
Custodial*Show source
Custody model: Custodial
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Source states (paraphrased): we hold them in custody, as a trustee
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Card issuer / program manager
Transact Payments Malta LimitedShow source
Card issuer / program manager: Transact Payments Malta Limited
Source states (paraphrased): This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Tiers / plans
Standard · Smart · Go · MetalShow source
Tiers / plans: Standard · Smart · Go · Metal
Source states (paraphrased): N26 Smart and N26 Go customers can choose from one of five card colors.
Source: What's the difference between debit vs. credit cards?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No card fees, monthly account fees or transaction fees for payments in EUR.
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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
Physical card fee
Free*Show source
Physical card fee: Free
First card and initial shipment free; every additional physical card costs EUR 10
Source states (paraphrased): Initial shipment | Free
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
First card and initial shipment free; every additional physical card costs EUR 10
€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
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
Replacement fee
€5.90Show source
Replacement fee: €5.90
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%
FX fee
0%*Show source
FX fee: 0%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
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
Crypto conversion fee
1.5%*Show source
Crypto conversion fee: 1.5%
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
Source states (paraphrased): Trades are subject to a transaction fee of 1.5% for Bitcoin and 2.5% for all other coins
Source: N26 Crypto: conveniently trade over 400 cryptocurrencies
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
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
ATM fee
2% (min. €2)*Show source
ATM fee: 2% (min. €2)
Plus local ATM operator fees
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Plus local ATM operator fees
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
Other fees & markups
Visa FX mark-up applies on non-EUR transactionsShow source
Other fees & markups: Visa FX mark-up applies on non-EUR transactions
Source states (paraphrased): For non Euro transactions (VISA mark-up fees apply)
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)Show source
Other fees & markups: N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)
Source states (paraphrased): N26 Standard account holders can get a debit card paired with their N26 account against a one-off fee covering the delivery.
Source: What's the difference between debit vs. credit cards?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
On payments funded with crypto
Source states (paraphrased): Cashback fixed at 1% of all qualifying transactions, no longer determined by BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
On payments funded with crypto
0%*Show source
Base cashback: 0%
Standard: no cashback; Go and Metal get 1% travel cashback
Source states (paraphrased): Reise-Cashback 1 | 1 % | 1 % (only Go and Metal columns)
Source: https://n26.com/de-at/konten-vergleichen
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard: no cashback; Go and Metal get 1% travel cashback
Max cashback
1%Show source
Max cashback: 1%
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
1%*Show source
Max cashback: 1%
Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only
Source states (paraphrased): Alle Smart Features und Gratisabhebungen außerhalb der Eurozone 1 % Cashback auf Reisen
Source: https://n26.com/de-at/konten-vergleichen
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only
Cashback paid in
BitcoinShow source
Cashback paid in: Bitcoin
Source states (paraphrased): A visa card with Bitcoin cashback
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Cashback type
Crypto*Show source
Cashback type: Crypto
Paid in the crypto used for the purchase
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Paid in the crypto used for the purchase
Interest on balance
0.3%*Show source
Interest on balance: 0.3%
Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.
Source states (paraphrased): Tagesgeldzinsen 2 | 0,30 % p.a. | 0,30 % p.a. | 0,50 % p.a. | 1,5 % p.a.
Source: https://n26.com/de-at/konten-vergleichen
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
Cashback conditions: Purchase must be funded with a crypto asset as the selected payment asset
Source states (paraphrased): Cashback is available for purchases made using crypto.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): Cashback no longer determined by the customer's BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward exclusions
Payments funded with fiat (EUR) · Payments funded with Bitpanda Stocks · Payments funded with metals · Payments funded with stablecoins · Payments funded with other non-crypto assetsShow source
Reward exclusions: Payments funded with fiat (EUR) · Payments funded with Bitpanda Stocks · Payments funded with metals · Payments funded with stablecoins · Payments funded with other non-crypto assets
Source states (paraphrased): Your payments will be excluded from the Cashback programme if fiat (€), Bitpanda Stocks, Metals, stablecoin and other assets other than crypto are your selected payment asset.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
NoShow source
Credit line: No
Source states (paraphrased): Credit cards are not currently offered.
Source: What's the difference between debit vs. credit cards?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Credit type
NoneShow source
Credit type: None
Source states (paraphrased): The Bitpanda Card is a debit card, therefore you cannot create any debt when using it.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
NoneShow source
Credit type: None
Source states (paraphrased): Credit cards are not currently offered.
Source: What's the difference between debit vs. credit cards?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): enables you to spend funds directly from any of your wallets
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Availability
Available in
Euro area*Show source
Available in: Euro area
Residents of euro-area countries with a verified account; not for users verified via Bankident
Source states (paraphrased): The card requires a verified account and residence in a country that uses the euro.
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Residents of euro-area countries with a verified account; not for users verified via Bankident
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
Account / spend currencies
EURShow source
Account / spend currencies: EUR
Source states (paraphrased): The Bitpanda Card is nominated in EUR and all related transactions are processed in EUR.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Pay quickly and safely with Apple Pay
Source: The Bitpanda Visa Card
Official product page (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 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%
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%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): Every additional physical card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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%
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%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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%
Airport lounge access
No*Show source
Airport lounge access: No
Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free
Source states (paraphrased): Zugang zu Flughafenlounges 6 | 33 € pro Besuch | 33 € pro Besuch | Erster Besuch pro Jahr 15 €, danach 30 €
Source: https://n26.com/de-at/konten-vergleichen
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free
Travel / rental car insurance
No*Show source
Travel / rental car insurance: No
Only Go and Metal plans (not Standard)
Source states (paraphrased): Up to €2,000
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Only Go and Metal plans (not Standard)
Purchase protection
No*Show source
Purchase protection: No
Only Metal plan
Source states (paraphrased): Purchase protection8 Up to €2,500 per claim
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Only Metal plan
Spendable assets
All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR*Show source
Spendable assets: All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
Source states (paraphrased): All cryptocurrencies listed on Bitpanda
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
Limits
ATM limit
€500*Show source
ATM limit: €500
Per day
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per day
Spending limit
€10,000*Show source
Spending limit: €10,000
Per day; weekly EUR 70,000, monthly EUR 280,000
Source states (paraphrased): Daily Expenditure | €10,000
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per day; weekly EUR 70,000, monthly EUR 280,000
Security & custody
Regulation / licences
Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution*Show source
Regulation / licences: Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Source states (paraphrased): Bitpanda Payments GmbH possesses a payment service provider licence under PSD2, recently becoming an E-Money Institute
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
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%
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
Bitpanda Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
N26
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−20 EUR
- Cashback+0 EUR
- Net annual value-20 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers