All currency cardsCurrency card · head to head
Revolut vs N26
Revolut wins on daily-use perks and crypto. N26 wins on simple EU current-account flow.
| Revolut | N26 | |
|---|---|---|
| Monthly fee | $0 | $0 |
| Card issue fee | $0 | $0 |
| FX model | weekend markup | card network |
| FX markup | 50 bps | — |
| Free ATM / month | unlimited | 3 |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | EU, UK, US, AU, JP, SG, NZ + selected | EU/EEA + UK (limited) |
Revolut — best for
- Daily spending on the card during the week
- Stock and crypto trading inside the app
- Splitting bills and group expenses
Weak for
- Weekend FX (1% surcharge applies)
- Large transfers (use Wise instead)
N26 — best for
- EU residents who want a primary current account
- Travellers in eurozone — no FX needed
- Couples (joint Spaces)
Weak for
- US, Canada, Asia — not available
- Holding multiple currencies
Affiliate disclosure: we earn a small commission if you sign up via either link. We list both because both are genuinely useful.