PayPal vs N26 Comparison At a Glance
We've divided the key information you need to know when comparing N26 vs PayPal into several aspects: pros & cons, coverage, pricing, limits, supported asset management, accounts and their onboarding, security, user experience and the company's info. However, if you want a quick side-by-side N26 vs PayPal comparison to see which one is rated better, check out the table below.
With an overall score of 9.0, N26 clearly comes out on top. PayPal, by comparison, holds a rating of 9.0. As for the service quality and advantages you get considering the platform’s costs, N26 outperforms PayPal as well, offering better value for money.
To give you a broader view of the money transfer service market, we've also put PayPal and N26 next to Ogvio, which has the highest overall score. You'll see how all three compare throughout this page.
Compare Other Money Transfer Services
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| Per-transaction | Plan-based | Per-transaction | |
| A global money transfer service with an additional volatile currency rate pegging to USD and EUR feature. | A European mobile bank with card features and budgeting tools. | Widely accepted digital wallet for online shopping and invoicing. | |
| Visit site Read review | Visit site | Visit site |
A Detailed Comparison of N26 vs PayPal
Find out which provider offers the fastest, cheapest, and simplest ways to send money with this elaborate PayPal vs N26 international transfer comparison table. From supported delivery methods and fees to any extra features, you'll see it all in one place.
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Coverage |
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US
Germany
France+160 more |
Austria
Belgium
Denmark+21 more |
Malaysia
South Korea
Italy+197 more |
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EN ID CN +6 more |
EN DE ES IT FR |
EN DE JPN +23 more |
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USD
EUR
CAD+40 more |
EUR
USD +35 more |
DKK
MYR
NZD+23 more |
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USDCEURC 
BONK+ 300 more |
BTC
ETH+350 more |
BCH
LINKPYUSD +5 more |
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Pricing |
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| Free |
SEPA - free Card - first free, then 3% |
Free | |
| Free | ATM - 2-8x free/mo; then €2 |
Bank/Card - up to 3% ATM - $2.50 |
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Limits |
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| No minimum |
CASH26 - $50 Card - $20 |
Not specified | |
| No minimum |
CASH26 - no minimum ATM - not specified |
$1 | |
| No minimum |
SEPA/SEPA - not specified MoneyBeam - $0.01 |
$1 | |
| No limits |
MoneyBeams - $1,000 Incoming SEPA - $100,000/transfer Outgoing SEPA - $10,000/day |
Card (instant) - $5,000/day; $15k/mo Bank (instant) - $25,000/transfer |
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| No limits | ATM - €1,000/day/card; €2,500/week |
ATM - $400/day OTC - $5,000/day Instant (card) - $7,5000/day Instant (bank) - $25,000/transfer |
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Asset Movement |
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Accounts |
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| Coming soon | Physical/Virtual | Physical/Virtual | |
Security |
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| Name, surname, possibly ID, and selfie | Name, surname, ID | Name, surname, ID, proof of address | |
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User Experience |
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| Coming soon | Android/iOS | Android/iOS | |
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1 Crypto trading 2 Staking |
1 N26 Instant Savings 2 N26 Stocks and ETFs 3 N26 Crypto |
1 PayPal Savings - 3.8% APY (US-only) 2 Buy now pay later 3 Brand cashbacks |
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1 Username functionality 2 No freezes 3 Referral program |
1 Travel insurance - delays, baggage, more |
1 Mass Pay 2 Donation and nonprofit tools 3 Buyer protection |
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Company's info |
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| 2025 | 2013 | 1998 | |
| Vytautas Zabulis | Valentin Stalf, Maximilian Tayenthal | Peter Thiel, Max Levchin, Luke Nosek, Ken Howery, Yu Pan | |
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| MSB | BaFin | FinCEN, ASIC, FCA | |
| Visit site Read review | Visit site | Visit site | |
N26 vs PayPal Comparison Result Analysis
It's clear there are both N26 vs PayPal differences and similarities. Let's go over some of the key aspects and see which is more suited for your remittance needs.
Supported Countries & Currencies
Speaking of worldwide reach, N26 is supported in Austria, Belgium, Denmark and +21 more countries, while PayPal is supported in Malaysia, South Korea, Italy and +197 more countries.
As for fiat currency support, N26 can be used to transfer EUR, USD and +35 more currencies. In the meantime, PayPal supports DKK, MYR, NZD and +23 more currencies. Keep in mind that some money transfer services also support crypto – check out the table above to see which ones are available on N26 and PayPal (if any).
Verdict at a Glance:
Considering the overall reach, PayPal offers broader country support than N26. When it comes to fiat you can transfer, N26 is a clear winner with EUR, USD and +35 more currencies.
Fees
When it comes to the pricing structure, N26 uses the plan-based pricing model with mostly free; up to 1.5% transaction fees.
PayPal, on the other hand, bases its pricing on the per-transaction model, and has up to 5.40% transaction fees.
Check N26 vs PayPal fees comparison of deposits, withdrawals and any other priced actions in the table above. You can also see if these platforms apply an exchange rate markup.
Verdict at a Glance:
N26 uses the plan-based pricing model, while PayPal bases its pricing on the per-transaction model. N26 has mostly free; up to 1.5% transaction fees & PayPal has up to 5.40% transaction fees.
Transfer Speeds
N26 is known to offer average transaction speed. It may sometimes vary depending on the delivery method, though – N26 supports SEPA/SEPA Instant, SWIFT, Card and CASH26.
PayPal supports Bank deposit as delivery methods and offers average transaction speed.
Verdict at a Glance:
N26 and PayPal generally offer the same transfer speed, though it can sometimes depend on your chosen transfer method and the countries you send from/to.
Limits & Funding Methods
N26 can be funded via SEPA/SEPA Instant, SWIFT, Card and CASH26, and it limits its transfers in the following way - MoneyBeams - $1,000; Incoming SEPA - $100,000/transfer; Outgoing SEPA - $10,000/day.
PayPal puts limits on transactions as follows – Card (instant) - $5,000/day; $15k/mo; Bank (instant) - $25,000/transfer. Considering available funding methods, you can deposit money to PayPal via Card, Bank account, Direct deposit (US) and Cash reload (US).
By the way, many (but not all) providers set minimum deposit, withdrawal, and transfer amounts, which you can check in the N26 vs PayPal comparison table above.
Verdict at a Glance:
Regardless of how similar or different N26 and PayPal seem, always check your account for actual limits because some platforms tie them to your verification level and country.
Summary
This thorough N26 vs PayPal comparison puts N26 ahead based on several factors. However, if we compare either with Ogvio, it outperforms both, having an overall score of 9.8. It provides the highest value for money considering its low-to-no costs, ease of use, worldwide support, and transaction speed. That\'s why it ranks as the top money transfer service provider.
How Is This N26 vs PayPal Comparison Created?
1. We Collect
All information in this N26 vs PayPal comparison comes from official provider pages, their fee schedules, verified payout samples, and personal testing. We check each country/currency coverage, fees, funding & payout methods, limits, and much more. You can be sure that all the collected information is accurate and up to date.
2. We Examine
Our experts double- and triple-check every data entry in the provider pages and trusted sources. We convert different fee formats into one standard layout, bring all info to the same baseline, and ensure you get all the essential details. The result is clean, comparable information you see in our Money Transfer Services Comparison Tool.
3. We Rate
We rate each provider to make choosing between PayPal vs N26 for travel or remittances simple. Our score blends fees, markup presence, transfer speed, coverage, limits, security, and other factors. Each provider gets a clear score and a short verdict so you can quickly see which is cheapest, fastest, or best for specific use cases.
4. You Choose
Then, it's your call. After we compile the data and rate each provider, you can go over the quick and detailed N26 vs PayPal comparison tables to place each provider's fees, coverage, delivery methods or any other aspects that matter to you side-by-side. This way, you can pick the best money transfer service for your needs.
FAQ
Is N26 better than PayPal?
For some users, N26 might be better, while others might prefer PayPal. It generally depends on your needs. When comparing N26 vs PayPal for international payments or other use cases, always start with coverage and asset support, then make sure to check total costs and available delivery options. If neither option is suitable for you, consider exploring alternative money transfer services.
What is the best international money transfer service?
"The best" is a subjective term. Users seeking cash pickup or home delivery options will opt for more traditional money transfer services. Others, who seek speed, convenience and low costs, might choose neobank-like services. Speaking of which, one of the best new generation money transfer providers to watch is Ogvio. It’s all about low-to-zero fees, worldwide reach, and instant money transfers. On top of that, with EUR- or USD-denominated accounts, it helps protect funds from local inflation or currency depreciation.
Can I use more than one money transfer app?
Yes, using multiple money transfer apps sometimes might even be a better idea than sticking to one. For example, one provider might offer the lowest costs and fastest speeds, which would be highly beneficial for everyday transfers, while another can provide you with home delivery or cash pickup when you need it. You can surely find the most suitable providers for you using our Money Transfer Service Comparison Tool.
How do N26 vs PayPal compare in terms of country and currency support?
N26 is supported in Austria, Belgium, Denmark and +21 more countries and can be used to transfer EUR, USD and +35 more currencies. PayPal, on the other hand, is supported in Malaysia, South Korea, Italy and +197 more countries and allows DKK, MYR, NZD and +23 more currencies transfers. Some providers might be better than others in specific countries or regions (e.g., the Philippines, India, Mexico, etc.).
Which is cheaper for international transfers, PayPal or N26?
N26 uses the plan-based pricing model, while PayPal bases its pricing on the per-transaction model. To see which is the cheaper option, check N26 vs PayPal fees comparison above in the "Pricing" field. There, you'll find transaction, deposit, withdrawal, and any other costs, including whether or not they add an exchange rate markup. If neither is cheap enough, check out other money transfer providers.
How to compare platforms with this Money Transfer Service Comparison Tool?
It's very easy to use, just pick two services you want to compare in the drop-down menu and click "Compare Now". Once you do that, you'll get an instant money transfer service comparison. As you scroll through it, you'll find all the key info, including the platform's reach, speed, supported methods, limits, extra features, and the best money transfer fee comparison for 2025 and beyond.
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