Wise vs N26
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Risposta breveBoth are traditional neobanks. Wise is the larger platform (~19M users) and is built for travel & digital nomads; N26 holds its own banking license. Compare custody, license, FX markup and fees field by field below.
Confronto diretto
| Wise | N26 | |
|---|---|---|
| Categoria | tradizionale | tradizionale |
| Pubblico | travel & digital nomads | general |
| Sede | London, UK | Berlin, DE |
| Fondata | 2011 | 2013 |
| Custodia | In custodia | In custodia |
| Tipo di regolamentazione | Istituto di moneta elettronica | Banca autorizzata |
| Dettaglio licenza | E-money/payment licenses globally | German banking license |
| Carta | Visa/MC · Debit | MC · Debit |
| Cashback | — | — |
| Rendimento | Interest on balances (region) | ~2-4% (region) |
| Maggiorazione FX | Mid-market rate + conversion fee, typically ~0.33–1.5%; free if you hold the currency (2026-04) | 0% N26 markup on card payments; Mastercard rate passed through (Standard plan) (2026-07) |
| Servizi | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards | crypto on-ramp, crypto off-ramp, fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards |
| Stablecoin | No | No |
| KYC | Sì | Sì |
| Regioni attive | Europa, Nord America, Asia, Oceania, America Latina, Africa, MENA | Europa |
| Utenti dichiarati | 19M customers (FY26) | — |
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.