N26

German neobank with full EU banking license. Up to 4% savings interest, stocks/ETFs/crypto investing, joint accounts, business cashback, and 24/7 support in 5 languages.

Country: DEIBAN: DEFounded: 2013

Monthly fee

Free

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international freemium investment crypto joint-account business savings

Pros

✓Up to 4% savings interest (Metal plan)
✓Stocks + ETFs + crypto investing
✓Joint accounts with dedicated IBAN
✓Business accounts with 0.1% cashback
✓24/7 multilingual support (5 languages)
✓International transfers via Wise
✓5 card designs

Cons

✗German IBAN (not Swiss IBAN)
✗Buggy app — Spaces transfer issues reported
✗Crypto and investments require paid plan
✗Customer support inconsistent
✗Excessive in-app promotions

Features

Google / Apple Pay✓ Yes

Multi-Currency✗ No

Savings Account✓ Yes

Interest Rate4%

Crypto Support✓ Yes

Investment Feature✓ Yes

Physical Card✓ Yes

Virtual Card✓ Yes

Joint Account✓ Yes

Business Account✓ Yes

Kids Account✗ No

Instant Transfers✓ Yes

Cash Deposit✗ No

Desktop App✗ No

Customer Support24/7

Fees

FX Fee1.7%

Card DeliveryFree

Limits

Daily ATMEUR 2,500

Daily TransferEUR 50,000

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