Revolut vs N26: prices and differences 2026
Updated
The comparison is based on Pankkitutka's data. Figures from which a difference could be calculated are not yet available for both banks.
Short summary
No comparable figures yet. The summary is generated automatically once the data has been added.
- Note: At Revolut, 0.00% applies up to €1,000.00 per month, and 1.00% on the amount above that; 1.00% on weekend currency exchange.
- Worth noting (N26): No children's card in Finland and no service in Finnish.
Comparison table
| Fact | Revolut | N26 |
|---|---|---|
| Type | Digital bank | Digital bank |
| Home country | Lithuania | Germany |
| Deposit guarantee | Lithuanian deposit guarantee, €100,000 per depositor; service provider Revolut Bank UAB | German deposit guarantee, €100,000 per depositor; N26 holds a German BaFin banking licence |
| Opening an account online with Finnish bank credentials | not available | not available |
| Opening an account without a Finnish personal identity code | not available | not available |
| Cheapest package | Standard | Standard |
| Package monthly fee | €0.00 | €0.00 |
| Package includes | Account, virtual card and app | Account and virtual debit card |
| Bank card | Revolut card | N26 Mastercard debit (virtual) |
| Separate card fee | Included in the package | Included in the package |
| Card notes | One-off cost: physical card delivery €7.99 (standard domestic delivery). First card free, delivery fee on the Standard account €7.99 (standard domestic delivery). Replacement card €6. Virtual cards are free. | One-off cost: physical card €10 on the Standard account. The first virtual card is free; physical card on the Standard account €10 one-off fee. |
| Total base price / month | €0.00 | €0.00 |
| Free ATM withdrawals in Finland | 5 / month | not available |
| Withdrawal fee after the free ones | not available | not available |
| Currency conversion markup on card payments | 0.00%* | 0.00% |
| ATM withdrawal abroad | After the free limit 2%, min. €1 | Outside the euro area 1.7% |
| Child account | Yes | No |
| Child account minimum age | 6 years | not available |
| Child account monthly fee | not available | not available |
| Student monthly fee | not available | not available |
| Current account interest rate | not available | not available |
| Savings account interest rate | 1.00% | not available |
| EPSI customer satisfaction | not available | not available |
Highlighted rows: the figures differ. Data checked: Revolut 15 October 2026, N26 15 October 2026.
Weaknesses according to the data
Revolut
- Deposit guarantee from the Lithuanian system, not the Finnish one
- A 1% fee on currency exchange at weekends
- No branches, service in the app
N26
- Only 2 free ATM withdrawals per month, then €2
- A physical card on the Standard account costs €10
- No children's card in Finland and no service in Finnish
Frequently asked questions
Which has the lower monthly fee, Revolut or N26?
The base price is the same: Revolut €0.00/month; N26 €0.00/month.
Which has the lower currency conversion markup on card payments, Revolut or N26?
The currency conversion markup is the same: Revolut 0.00%*; N26 0.00%. At Revolut, 0.00% applies up to €1,000.00 per month, and 1.00% on the amount above that; 1.00% on weekend currency exchange.
Which has a deposit guarantee, Revolut or N26?
Revolut: Lithuanian deposit guarantee, €100,000 per depositor; service provider Revolut Bank UAB. N26: German deposit guarantee, €100,000 per depositor; N26 holds a German BaFin banking licence.