N26 vs Varo

Highlights

A quick, at-a-glance look at what makes N26 and Varo stand out.

N26

Neobank

Mobile-first banking
Great for personal use
Available in 8 countries
Rated 3.5 / 5 on Neolista

Varo

Top rated

Mobile-first banking
Great for personal use
Available in 1 country
Rated 4.7 / 5 on Neolista

Average Neolista Scores

Compare the Neolista scores of N26 and Varo to the overall average score across all listed providers.

3.5

VS

4.7

VS

Directory average

4.1

N26 vs Varo: the full comparison

Our breakdown of how N26 and Varo compare — and which might suit you best.

N26 is available in 8 countries, while Varo is available in 1 country. Both are popular neobanks, but they take different approaches and suit different needs.

N26 is best suited to individuals. N26 is The Mobile Bank, helping you manage your bank account on-the-go, track your expenses and set aside money in real-time. Open yours in minutes right from your smartphone, and start spending before your physical card arrives. It currently holds a Neolista score of 3.5 out of 5.

By comparison, Varo is geared towards individuals. Get access to personal banking services including no monthly fee checking, high-yield savings, cash advances and more with Varo Bank. It currently holds a Neolista score of 4.7 out of 5.

If N26 lines up with what you need, it's a strong choice — but it's worth weighing Varo too, especially on availability, fees and the account types each one supports. Use the live details above to pick the option that fits you best.

Where can you use them?

N26 and Varo aren't available everywhere. Here's where each one currently operates.

Heads up: N26 and Varo don't currently operate in any of the same countries.

N26

Available in 8 countries

VS

Varo

Available in 1 country

What customers are saying

Recent verified 5-star reviews for N26 and Varo.

“I am a customer since 2017. The bank never failed me personally. The app is good, fast, available in English and is function wise in the same ballpark as other apps from competitors. I am a metal customer and even though I never really needed it - but the travel insurance is really good (as described). The investment features are also good enough for me as a “just buy monthly ETF shares.”What may help to further get more market shares would be the offering of a real credit card. Because of that I am “forced” to posses multiple cards from different banks. I never needed the service. But my wife as a foreigner in Germany did need. There was a glitch in the KYC process that would only accept RFID based residence cards and she only possessed a paper based in her passport (problems at the Bundesdruckerei at the time). We had to wait over a month to get a solution. We persuaded them eventually to give us the possibility to use PostIdent - then it worked.”

Mario Saternus"N26" review from Trustpilot

“Great all around experience”

Telvin"Varo" review from Trustpilot

N26 is great for individuals

N26 offers accounts for personal customers.

Personal accounts

Go to N26

Varo is great for individuals

Varo offers accounts for personal customers.

Personal accounts

Go to Varo