Is there a cheaper alternative to N26?

Cost depends on FX markup, card fees and plan tier. Compare bunq, Trade Republic and Monzo against N26 on the FX-markup and cashback rows in each side-by-side comparison to find the cheapest for how you actually spend.

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N26 profile

N26 alternatives

8 comparable traditional neobanks · from the open dataset of 381 · no affiliate links

short answerRanked by how closely they match N26 on structure — custody, license type, card and overlapping markets — the nearest alternatives in the dataset are bunq, Trade Republic and Monzo, which share the same traditional model, custodial custody and the same license type (Licensed bank); all three are available in Europe. This is a similarity ranking from verified fields, not a popularity list or an editorial pick — all 8 peers are compared field by field below. No affiliate links.

The 8 closest alternatives

neobank	type	hq	reported users	compare
bunq	traditional	Amsterdam, NL	—	vs N26 →
Trade Republic	traditional	Berlin, DE	—	directory →
Monzo	traditional	London, UK	12M customers (2025)	directory →
buddybank	traditional	Milan, IT	—	directory →
Enpara	traditional	Istanbul, TR	—	directory →
Fortuneo	traditional	Brest, FR	—	directory →
indó	traditional	Reykjavík, IS	—	directory →
isybank	traditional	Milan, IT	—	directory →

go deeperBack to the N26 profile, ask who owns N26?, or filter your own shortlist in the directory.

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.