N26 vs Phantom Cash Card
E-money / FinTech
Crypto native
Verdict
- N26 scores higher overall (6.2 vs 3.6 out of 10).
- N26 is clearly stronger on: Availability, Product features, 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
- Frequent travellers
Stronger on: Availability, Product features, Limits & ATM
Phantom Cash Card 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 | Phantom Cash Card |
|---|---|---|
| Fees | 82 | – |
| Cashback & rewards | 4 | 0 |
| Availability | 70 | 3 |
| FX & international | 100 | – |
| Product features | 70 | 47 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 66 | 20 |
| Transparency | 93 | 100 |
| Best for Cashback | 4.1 | 2.3 |
| Best for Travel | 7.6 | 3.8 |
| Best for Self-Custody | n/a | 5.8 |
| Best for DeFi Users | n/a | 4.8 |
| Best for Stablecoins | n/a | 4.9 |
| Best for High Spenders | 4.7 | 2.7 |
| Best for Low Fees | 8.6 | n/a |
| Best for Beginners | 7.1 | 5.0 |
| 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
Debit card, Stablecoin cardConditions apply: tap or hover for detailsShow source
Debit card linked to the CASH stablecoin balance of the Phantom Cash account
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Card issuer / program manager
StripeConditions apply: tap or hover for detailsShow source
Replacement cards and cards activated after 2026-10-05 are Stripe-issued; cards activated before 2026-10-05 without a replacement are Bridge-issued (disputes via Galileo)
Tiers / plans
Standard · Smart · Go · MetalShow source
Fees
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
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
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
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
Other fees & markups
N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)Show 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
NoneConditions apply: tap or hover for detailsShow source
No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)
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.
Cashback conditions
Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are provided · Cash Rewards not available in the US or US-sanctioned jurisdictionsConditions apply: tap or hover for detailsShow source
Cash Rewards is a balance reward funded by Phantom, not purchase cashback; rate shown in the app as APY, paid weekly in CASH, no minimum balance, no lock-ups; rewards pause once total Phantom rewards reach $1,500 in a tax year until US-person status is confirmed or identity verified; not available in the US, where the card is offered
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends the Cash account balance; the account must be funded before paying
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
United StatesConditions apply: tap or hover for detailsShow source
Except New York; identity verification required for the card
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
CASH balance is converted to USD when paying; merchant is paid in USD
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
NoConditions apply: tap or hover for detailsShow source
ATM withdrawals and cash advances are unsupported merchant categories and are declined
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
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
Spendable assets
CASHConditions apply: tap or hover for detailsShow source
Cash account balance (CASH), converted to USD at payment
Blockchains
SolanaShow source
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day; automatic review for $5,000 after 30 days
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
Phantom Cash Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers