All currency cardsCurrency card · head to head
Wise vs N26
Wise wins on FX and multi-currency. N26 wins as a primary EU current account.
| Wise | N26 | |
|---|---|---|
| Monthly fee | $0 | $0 |
| Card issue fee | $9 | $0 |
| FX model | interbank | card network |
| FX markup | — | — |
| Free ATM / month | 2 | 3 |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | 180+ countries | EU/EEA + UK (limited) |
Wise — best for
- International transfers — interbank rate, transparent fee
- Holding 50+ currencies in one account
- Receiving USD/EUR/GBP/AUD payouts on local details
Weak for
- Day-to-day spending in a single home currency
- ATM withdrawals over 2/month free
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.