Wise vs N26

traditional vs traditional · from the open dataset of 357 tracked neobanks · no affiliate links, ever

Wise: Mid-market-rate FX; 16M+ customers.

N26: 8M+ customers; crypto via partner in some markets.

Side by side

	Wise	N26
Category	traditional	traditional
Audience	travel	general
HQ	London, UK	Berlin, DE
Founded	2011	2013
Custody	Custodial	Custodial
Regulation	E-money institution	Licensed bank
Licence detail	E-money/payment licences globally	German banking licence
Card	Visa/MC · Debit	MC · Debit
Cashback	—	—
Yield	Interest on balances (region)	~2-4% (region)
Stablecoins	No	No
KYC	Yes	Yes
Regions	Europe, North America, Asia, Oceania, Latin America, Africa, MENA	Europe
Reported users	19M customers (FY26)	—

go deeperFull profiles: Wise · N26 — or run your own comparison of up to four 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.