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N26 vs Oobit

N26

E-money / FinTech

6.1
Get the card
Oobit

Crypto native

8.0
Get the card

Verdict

  • Oobit scores higher overall (8.0 vs 6.1 out of 10).
  • N26 is clearly stronger on: Fees, FX & international, Limits & ATM.
  • Oobit is clearly stronger on: Cashback & rewards, Availability, Product features, Custody & security, Transparency.
  • For 1,500 EUR/month of spend, N26 comes out about 136 EUR a year ahead on base-tier terms.

N26 is a good fit for

  • Frequent travellers

Stronger on: Fees, FX & international, Limits & ATM

Oobit is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards, Availability, Product features, Custody & security, Transparency

Score by criterion

CriterionN26Oobit
Fees8271
Cashback & rewards4100
Availability70100
FX & international10040
Product features7090
Custody & security7595
Credit & financing3030
Limits & ATM6650
Transparency7993
Best for Cashback4.18.9
Best for Travel7.66.6
Best for Self-Custodyn/a8.6
Best for DeFi Usersn/a7.9
Best for Stablecoinsn/a7.8
Best for High Spenders4.67.4
Best for Low Fees8.46.3
Best for Beginners6.89.0
Best E-Money Card8.1n/a

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: Oobit Crypto Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

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%

No data yet

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%

VisaShow source

Network: Visa

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Custody model

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

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Crypto stays in your wallet until the moment you pay

Card issuer / program manager

No data yet
Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source

Card issuer / program manager: Third National (issuer, under license from Visa); program provided by Oobit Technologies UAB

Source states (paraphrased): The issuer for this card program is ThirdNational.

Source: https://www.oobit.com/legal/card-terms

Official product page (tier 1)

Checked by editor · retrieved 24 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%

No data yet

Fees

Annual fee

No data yet
Free*Show source

Annual fee: Free

No fee for the card itself

Source states (paraphrased): there's no fee for the card itself

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

No fee for the card itself

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

No data yet

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

No data yet

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

No data yet

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

1.5%*Show source

FX fee: 1.5%

Up to 1.5% on non-USD purchases

Source states (paraphrased): Foreign Exchange Fee (non USD): up to 1.5%

Source: https://www.oobit.com/legal/card-terms

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Up to 1.5% on non-USD purchases

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

0.95%*Show source

Crypto conversion fee: 0.95%

Swaps; 3% when swapping into OOB

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Swaps; 3% when swapping into OOB

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

2.5% (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

No data yet
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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Per card payment (Brazil: 1%, no minimum)

Other fees & markups

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%

1% fee on purchasesShow source

Other fees & markups: 1% fee on purchases

Source states (paraphrased): Purchases have a 1% fee.

Source: Crypto Card UAE

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Cashback & rewards

Base cashback

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

5%*Show source

Base cashback: 5%

Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice

Source states (paraphrased): Users will receive stablecoin rewards equal to 5% of the value of eligible transactions paid in USDT or USDC respectively, capped at a maximum spend of USD 200

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 65%

Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice

Max cashback

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

10%*Show source

Max cashback: 10%

Up to

Source: Oobit Crypto Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Up to

Cashback paid in

No data yet
USDC (EEA residents) / USDT (outside EEA)Show source

Cashback paid in: USDC (EEA residents) / USDT (outside EEA)

Source states (paraphrased): If you reside in the European Economic Area, you may exchange your points for USDC.

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Cashback type

No data yet
Stablecoin*Show source

Cashback type: Stablecoin

Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards

Source states (paraphrased): you may exchange your points for USDC

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards

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.

No data yet

Cashback-eligible spend cap

No data yet
$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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

When paying with tokens other than OOB; $10,000/month when paying with OOB

Cashback conditions

No data yet
Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferredShow source

Cashback conditions: Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferred

Source states (paraphrased): The current exchange rate is 1,000 points to USD 1

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Staking / holding required for top rewards

No data yet
NoShow source

Staking / holding required for top rewards: No

Source states (paraphrased): Other crypto cards often come with staking requirements or volatile token rewards. Oobit doesn't.

Source: Crypto Card UAE

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Reward expiry / vesting

No data yet
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source

Reward expiry / vesting: Outstanding accrued rewards are lost if the account is closed, suspended or restricted

Source states (paraphrased): you will lose your entitlement to those rewards

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Reward exclusions

No data yet
Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source

Reward exclusions: Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed payments

Source states (paraphrased): you request a refund from the merchant, or your payment is reversed

Source: 5X Reward Terms | Oobit Loyalty Program Rules

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Credit & financing

Credit line

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%

No*Show source

Credit line: No

Classified as credit card only for network acceptance; spends own crypto

Source states (paraphrased): Oobit does not offer a credit line, loans, or interest.

Source: Oobit Crypto Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Classified as credit card only for network acceptance; spends own crypto

Credit type

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%

No data yet

Interest (APR)

No data yet
0%*Show source

Interest (APR): 0%

Currently 0% on all purchases; issuer may introduce interest for new purchases

Source states (paraphrased): Your Oobit Spend Card is currently Zero 0% interest on all purchases.

Source: https://www.oobit.com/legal/card-terms

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Currently 0% on all purchases; issuer may introduce interest for new purchases

Spend own balance directly

No data yet
YesShow source

Spend own balance directly: Yes

Source states (paraphrased): You only spend the crypto you own

Source: Crypto Card UAE

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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

AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New Zealand*Show source

Available in: AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New Zealand

Country list as given on the page (74 countries listed, page claims 80+)

Source states (paraphrased): Oobit is available in 80+ countries across six continents, and we add new markets regularly.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Country list as given on the page (74 countries listed, page claims 80+)

Account / spend currencies

No data yet
USD*Show source

Account / spend currencies: USD

Base currency; other currencies converted automatically, rate shown on receipt

Source states (paraphrased): Oobit uses USD as its base currency.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Base currency; other currencies converted automatically, rate shown on receipt

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%

No data yet

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%

Yes*Show source

Apple Pay: Yes

After verification

Source: Crypto Card in South Korea

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

After verification

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%

Yes*Show source

Google Pay: Yes

After verification

Source: Crypto Card in South Korea

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

After verification

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%

No data yet

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): Simply use your Oobit virtual card

Source: Oobit FAQ

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: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%

Spend stablecoins

No data yet
YesShow source

Spend stablecoins: Yes

Source states (paraphrased): Oobit supports USDC, USDT, BNB, USDR, EURR

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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

No data yet

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)

Yes*Show source

Travel / rental car insurance: Yes

Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated

Source states (paraphrased): price protection, purchase protection, extended warranty, and worldwide auto rental coverage

Source: Oobit Crypto Card

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated

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

Yes*Show source

Purchase protection: Yes

Visa Platinum benefits, included automatically

Source states (paraphrased): price protection, purchase protection, extended warranty, and worldwide auto rental coverage

Source: Oobit Crypto Card

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Visa Platinum benefits, included automatically

Spendable assets

No data yet
USDT · Bitcoin · Ethereum · StablecoinsShow source

Spendable assets: USDT · Bitcoin · Ethereum · Stablecoins

Source states (paraphrased): It lets you spend USDT , Bitcoin , Ethereum , and stablecoins directly.

Source: Crypto Card | 10% Cashback Anywhere

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Blockchains

No data yet
Ethereum · BNB Smart Chain · Solana · Polygon*Show source

Blockchains: Ethereum · BNB Smart Chain · Solana · Polygon

DePay payments from external wallets

Source states (paraphrased): You can pay today using assets on Ethereum (ERC-20) , on BNB Smart Chain, Solana , and Polygon

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

DePay payments from external wallets

Limits

Spending limit

No data yet
$10,000*Show source

Spending limit: $10,000

Per day; maximum limit

Source states (paraphrased): Daily limit: Up to 10,000 USD per day

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Per day; maximum limit

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%

US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show source

Regulation / licences: US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)

Source states (paraphrased): US Cryptocurrency services are provided in partnership with Bakkt Financial Solutions I, LLC.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

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

No data yet

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

Oobit

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • Per-transaction fees−180 EUR
  • ATM costs−30 EUR
  • Cashback+107 EUR
  • Net annual value-157 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

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