N26 vs bunq
HinweisAutomatisch lokalisierte Seite — Überschriften, Kennzahlen und Kategorien auf Deutsch; die ausführlichen Beschreibungen und die verifizierten Quelldaten stammen aus dem englischen Originalprofil.
KurzantwortBoth are traditional neobanks with similar positioning — the real differences are FX markup, fees, license and geography, compared field by field below.
Gegenüberstellung
| N26 | bunq | |
|---|---|---|
| Kategorie | traditionell | traditionell |
| Zielgruppe | general | general |
| Hauptsitz | Berlin, DE | Amsterdam, NL |
| Gegründet | 2013 | 2012 |
| Verwahrung | Verwahrt | Verwahrt |
| Regulierungstyp | Lizenzierte Bank | Lizenzierte Bank |
| Lizenzdetail | German banking license | Dutch banking license |
| Karte | MC · Debit | MC · Debit |
| Cashback | — | 1% (plan) |
| Rendite | ~2-4% (region) | Up to ~3.4% interest |
| FX-Aufschlag | 0% N26 markup on card payments; Mastercard rate passed through (Standard plan) (2026-07) | Mastercard rate + 0.5% up to €1,000/yr; 3% conversion fee above that (Free plan) (2026-07) |
| Dienste | crypto on-ramp, crypto off-ramp, fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards |
| Stablecoins | Nein | Nein |
| KYC | Ja | Ja |
| Aktive Regionen | Europa | Europa |
| Gemeldete Nutzer | — | — |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.