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N26 vs Wise Comparison At a Glance

We've divided the key information you need to know when comparing Wise vs N26 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 Wise vs N26 comparison to see which one is rated better, check out the table below.

With an overall score of 9.3, Wise clearly comes out on top. N26, by comparison, holds a rating of 9.0. As for the service quality and advantages you get considering the platform’s costs, Wise outperforms N26 as well, offering better value for money.

To give you a broader view of the money transfer service market, we've also put N26 and Wise next to Ogvio, which has the highest overall score. You'll see how all three compare throughout this page.

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Ogvio logo
Wise logo
N26 logo

Overall Score

9.8
9.3
9.0

Transaction Fees

  • Free
  • Varies
  • Mostly free; up to 1.5%

Pricing Model

Per-transaction Per-transaction Plan-based

Value For Money

Verdict

A global money transfer service with an additional volatile currency rate pegging to USD and EUR feature. A transparent money transfer service that uses the mid-market rate and shows fees upfront. A European mobile bank with card features and budgeting tools.
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A Detailed Comparison of Wise vs N26

Find out which provider offers the fastest, cheapest, and simplest ways to send money with this elaborate N26 vs Wise 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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Ogvio logo
Wise logo
N26 logo

Pros

  • Remittance-oriented
  • Instant transfers
  • Incremental-to-no fees
  • Crypto support
  • @Tag functionality
  • Free transfers between users
  • Mid-market exchange rates
  • Transparent fee structure
  • Fast transfer speeds
  • Industry-leading security
  • Easy access to services
  • Fast account setup
  • No hidden fees
  • Clean digital experience
  • Investment features

Cons

  • No card (coming soon)
  • No cash pickup options
  • Not ideal for very small transfers
  • Only available in some countries in the EU
  • Foreign usage fees

Ease of Use

Coverage

Supported Countries

United States US
Germany Germany
France France
+160 more
United States US
Canada Canada
Germany Germany
+160 more
Austria Austria
Belgium Belgium
Denmark Denmark
+21 more

Supported Languages

EN
ID
CN
+6 more
EN
DE
FR
+15 more
EN
DE
ES
IT
FR

Supported Fiat Currencies

US Dollar USD
Euro EUR
Canadian Dollar CAD
+40 more
US Dollar USD
Canadian Dollar CAD
Euro EUR
+40 more
Euro EUR
US Dollar USD
+35 more

Supported Cryptocurrencies

USD Coin USDC
EURC
Bonk BONK
+ 300 more
Fiat-only
Bitcoin BTC
Ethereum ETH
+350 more

Pricing

Deposit Fees

Free Bank - free
Card - varies
SWIFT - varies
SEPA - free
Card - first free, then 3%

Withdrawal Fees

Free ATM - 2 free/mo < $200; then 1.75%
Bank - varies
ATM - 2-8x free/mo; then €2

Other Fees

  • Conversion fee (varies)
  • Using stocks - 0.6%/yr
  • Using Wise Interest - 0.26%/yr
  • Unspecified

Card Maintenance Fees

  • Card coming soon
  • Free
  • Standard - free
  • Smart - €4.90/mo
  • Go - €9.90/mo
  • Metal - €16.90/mo

Fee Transparency

Markup

Limits

Minimum Deposit

No minimum No minimum CASH26 - $50
Card - $20

Minimum Withdrawal

No minimum ATM - not specified CASH26 - no minimum
ATM - not specified

Minimum Transfer

No minimum Not specified SEPA/SEPA - not specified
MoneyBeam - $0.01

Transfer Limits

No limits Wire - $20,000,000/transfer
SWIFT - $1,600,000/transfer
MoneyBeams - $1,000
Incoming SEPA - $100,000/transfer
Outgoing SEPA - $10,000/day

Withdrawal limits

No limits ATM (EEA/UK) - 2x free/mo; then €0.5 + 1.75%
ATM (US) - 2x free/mo; then $1.5 + 2%
ATM - €1,000/day/card; €2,500/week

Asset Movement

Funding Methods

  • Card
  • Apple Pay
  • Google Pay
  • Bank transfer
  • ACH
  • Wire
  • Card
  • SEPA
  • Faster Payments
  • SWIFT
  • iDEAL
  • Trustly
  • SEPA/SEPA Instant
  • SWIFT
  • Card
  • CASH26

Delivery Methods

  • Bank deposit
  • Card
  • Google Pay
  • Apple Pay
  • Bank deposit
  • ATM
  • Mobile wallet
  • SEPA/SEPA Instant
  • SWIFT
  • Card
  • CASH26

Supported Networks

  • Base
  • Fiat-only
  • Ethereum
  • Solana
  • Bitcoin
  • + more

Transaction Speed

|
|
|
|
|
Slow
Average
Instant
|
|
|
|
|
Slow
Average
Instant
|
|
|
|
|
Slow
Average
Instant

Bulk Payments

Scheduled Payments

Accounts

Business Account

Virtual IBANs

Physical / Virtual Card

Coming soon Physical/Virtual Physical/Virtual

Onboarding Time

|
|
|
|
|
Long
Average
Very Quick
|
|
|
|
|
Long
Average
Very Quick
|
|
|
|
|
Long
Average
Very Quick

Security

KYC

Name, surname, possibly ID, and selfie ID, proof of address, selfie, other for larger limits Name, surname, ID

Fraud/AML Prevention

  • KYC
  • Non-custodial
  • KYC
  • Sanctions screening
  • Transaction monitoring
  • Additional checks 2-10 business days
  • KYC & CDD
  • Sanctions screening
  • Transaction monitoring

Account Protection

  • 256-bit AES encryption
  • Biometrics
  • Storage vault
  • 2FA
  • Device checks
  • Card freeze
  • Card controls
  • Strong Customer Authentication
  • 2FA
  • 3D Secure
  • Device binding
  • Card freeze/limits
  • Deposit protection

User Experience

Mobile App

Coming soon Android/iOS Android/iOS

App UX

Customer Support

Email
  • Phone - 24/7
  • Email
  • In-app chat
  • Phone

Analytics & Reporting

  • Spend analytics
  • Export CSV
  • Earnings analytics
  • Statements CSV/PDF
  • Receipts PDF
  • API reporting
  • Spend analytics
  • Export CSV/PDF

Interest / Investment / Savings Options

1

Crypto trading

2

Staking

1

Wise Interest

2

Stocks

1

N26 Instant Savings

2

N26 Stocks and ETFs

3

N26 Crypto

Extra Features

1

Username functionality

2

No freezes

3

Referral program

1

Mid-market exchange rate

1

Travel insurance - delays, baggage, more

Company's info

Founded In

2025 2011 2013

Founders

Vytautas Zabulis Taavet Hinrikus, Kristo Käärmann Valentin Stalf, Maximilian Tayenthal

Headquarters

United States
United States
United Kingdom
United Kingdom
Germany
Germany

Licensing

MSB FCA, EMI, EEA, MSB BaFin

Check Official Website

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Wise vs N26 Comparison Result Analysis

It's clear there are both Wise vs N26 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, Wise is supported in US, Canada, Germany and +160 more countries, while N26 is supported in Austria, Belgium, Denmark and +21 more countries.

As for fiat currency support, Wise can be used to transfer USD, CAD, EUR and +40 more currencies. In the meantime, N26 supports EUR, USD and +35 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 Wise and N26 (if any).

Verdict at a Glance:

Considering the overall reach, Wise offers broader country support than N26. When it comes to fiat you can transfer, Wise is a clear winner with USD, CAD, EUR and +40 more currencies.

Fees

When it comes to the pricing structure, Wise uses the per-transaction pricing model with variable transaction fees.

N26, on the other hand, bases its pricing on the plan-based model, and has mostly free; up to 1.5% transaction fees.

Check Wise vs N26 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:

Wise uses the per-transaction pricing model, while N26 bases its pricing on the plan-based model. Wise has variable transaction fees & N26 has mostly free; up to 1.5% transaction fees.

Transfer Speeds

Wise is known to offer average transaction speed. It may sometimes vary depending on the delivery method, though – Wise supports Bank deposit, ATM and Mobile wallet.

N26 supports SEPA/SEPA Instant, SWIFT, Card and CASH26 as delivery methods and offers average transaction speed.

Verdict at a Glance:

Wise and N26 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

Wise can be funded via ACH, Wire, Card, SEPA, Faster Payments, SWIFT, iDEAL and Trustly, and it limits its transfers in the following way - Wire - $20,000,000/transfer; SWIFT - $1,600,000/transfer.

N26 puts limits on transactions as follows – MoneyBeams - $1,000; Incoming SEPA - $100,000/transfer; Outgoing SEPA - $10,000/day. Considering available funding methods, you can deposit money to N26 via SEPA/SEPA Instant, SWIFT, Card and CASH26.

By the way, many (but not all) providers set minimum deposit, withdrawal, and transfer amounts, which you can check in the Wise vs N26 comparison table above.

Verdict at a Glance:

Regardless of how similar or different Wise and N26 seem, always check your account for actual limits because some platforms tie them to your verification level and country.

Summary

This thorough Wise vs N26 comparison puts Wise 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 Wise vs N26 Comparison Created?

We Collect Wise vs N26

1. We Collect

All information in this Wise vs N26 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.

We Examine Wise vs N26

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.

We Rate Wise vs N26

3. We Rate

We rate each provider to make choosing between N26 vs Wise 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.

You Choose Wise vs N26

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 Wise vs N26 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 Wise better than N26?

For some users, Wise might be better, while others might prefer N26. It generally depends on your needs. When comparing Wise vs N26 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 Wise vs N26 compare in terms of country and currency support?

Wise is supported in US, Canada, Germany and +160 more countries and can be used to transfer USD, CAD, EUR and +40 more currencies. N26, on the other hand, is supported in Austria, Belgium, Denmark and +21 more countries and allows EUR, USD and +35 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, N26 or Wise?

Wise uses the per-transaction pricing model, while N26 bases its pricing on the plan-based model. To see which is the cheaper option, check Wise vs N26 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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