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Side-by-side comparison
N26 logo
N26
VS
Wise logo
Wise

N26 vs Wise

Side-by-side comparison of N26 and Wise — features, fees, supported countries, and ratings.

Highlights

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

N26 logo

N26

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

Wise

Top rated
  • Mobile-first banking
  • Personal & business accounts
  • Available in 177 countries
  • Founded in 2011
Neolista

Average Neolista Scores

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

N26 logo
3.5
VS
Wise logo
4.7
VS

Directory average

4.1

N26 vs Wise: the full comparison

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

N26 is available in 8 countries, while Wise, founded in 2011, is available in 177 countries. 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, Wise is geared towards both individuals and businesses. 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account. 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 Wise 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 Wise aren't available everywhere. Here's where each one currently operates.

N26 logo

N26

Available in 8 countries

Austria flagBelgium flagFrance flagGermany flagIreland flagItaly flagSpain flagSwitzerland flag
VS
Wise logo

Wise

Available in 177 countries

Albania flagAlgeria flagAndorra flagAngola flagAntigua and Barbuda flagArgentina flagArmenia flagAustralia flagAustria flagAzerbaijan flagBahamas flagBahrain flagBangladesh flagBarbados flag+163 more

What customers are saying

Recent verified 5-star reviews for N26 and Wise.

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.

Trustpilot
Mario Saternus"N26" review from Trustpilot

SIMPLE, DOES WHAT IT SAYS ON THE TIN,

Trustpilot
Alan"Wise" review from Trustpilot
N26 logo

N26 is great for individuals

N26 offers accounts for personal customers.

Personal accounts
Go to N26
Wise logo

Wise is great for everyone

Wise is available for both personal and business customers.

Personal accountsBusiness accounts
Go to Wise

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