Revolut vs N26 i 2026: Hvilken er best?

Revolut and N26 are the two biggest neobanks in Europe, but they take very different approaches to digital banking. We tested both extensively to determine which deserves your money in 2026.

Account Types & Pricing

**Revolut** offers four tiers: Standard (free), Plus (€3.99/mo), Premium (€7.99/mo), and Ultra (€45/mo). Each tier unlocks more features, higher limits, and better perks.

**N26** offers three tiers: Standard (free), Smart (€4.90/mo), and Metal (€16.90/mo). The structure is simpler, but you get fewer options.

Foreign Exchange

This is where Revolut shines. Free currency exchange on weekdays (up to limits), support for 36+ currencies, and excellent rates make it the clear winner for travelers and expats.

N26 charges 1.7% on Standard accounts for non-EUR transactions. Metal users get fee-free transactions, but at €16.90/month, you need to spend significantly abroad to justify it.

AI Features

Both banks offer AI-powered spending insights and categorization. Revolut's AI investment recommendations give it an edge for users interested in growing their wealth. N26's Spaces feature is better for day-to-day budgeting.

Banking License

N26 holds a full German banking license, meaning deposits are protected up to €100,000 under the European Deposit Insurance Scheme. Revolut recently obtained its UK banking license and operates under various licenses across Europe.

The Verdict

**Choose Revolut if:** You travel frequently, need multi-currency support, or want an all-in-one financial super-app with crypto and stock trading.

**Choose N26 if:** You want a clean, simple banking experience with a full EU banking license and excellent budgeting tools.