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N26 vs SafePal Mastercard

N26

E-money / FinTech

6.2
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SafePal Mastercard

Crypto native

6.5
Get the card

Verdict

  • SafePal Mastercard scores higher overall (6.5 vs 6.2 out of 10).
  • N26 is clearly stronger on: FX & international.
  • SafePal Mastercard is clearly stronger on: Fees.
  • 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

SafePal Mastercard is a good fit for

  • Stablecoin holders

Stronger on: Fees

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesN26 vs ether.fi CashSafePal Mastercard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionN26SafePal Mastercard
Fees82100
Cashback & rewards4–
Availability70–
FX & international10060
Product features7070
Custody & security75–
Credit & financing3030
Limits & ATM66–
Transparency93100
Best for Cashback4.1n/a
Best for Travel7.66.6
Best for DeFi Usersn/a6.0
Best for Stablecoinsn/a7.2
Best for High Spenders4.76.1
Best for Low Fees8.68.3
Best for Beginners7.17.5
Best E-Money Card8.2n/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 cardShow source

Network

MastercardShow source
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

No data yet

Card issuer / program manager

No data yet
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source

Offered in collaboration with SafePal; the page does not name the card issuer separately

Tiers / plans

Standard · Smart · Go · MetalShow source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard account

FreeShow source

Physical card fee

€10Conditions apply: tap or hover for detailsShow source

Standard plan; included in Smart, Go and Metal

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

First virtual card free on Standard

No data yet

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%Conditions apply: tap or hover for detailsShow source

Card payments settled in non-USD currencies

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

No data yet

Top-up fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Standard deposit/top-up fee; crypto swaps carry a spread and gas fees

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

No data yet

Transfer fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Transfers to external banks; other banks may charge

Other fees & markups

N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)Show source
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source

Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Standard: no cashback; Go and Metal get 1% travel cashback

No data yet

Max cashback

1%Conditions apply: tap or hover for detailsShow source

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

No data yet

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.

No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

NoneShow source
No data yet

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

No data yet

Account / spend currencies

No data yet
USD · EUR · CHF · CNHShow source

Own IBAN / bank details

YesShow source
YesConditions apply: tap or hover for detailsShow source

Swiss IBAN via Fiat24

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

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

No data yet

Travel / rental car insurance

NoConditions apply: tap or hover for detailsShow source

Only Go and Metal plans (not Standard)

No data yet

Purchase protection

NoConditions apply: tap or hover for detailsShow source

Only Metal plan

No data yet

Blockchains

No data yet
ArbitrumShow source

Limits

Spending limit

No data yet
€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

Security & custody

Regulation / licences

German full banking licence (BaFin)Show source
No data yet

Deposit protection

YesConditions apply: tap or hover for detailsShow source

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

SafePal Mastercard

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • 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

More N26 comparisons

More SafePal Mastercard comparisons