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Updated September 28, 2026 · VaultCue Editorial Team

Fi Money vs N26

Fi Money scores 8.9 and N26 9.1 out of 10. Compare their differences and shared features below.
N26

N26

Higher score in this comparison

9.1/10
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Fi Money

Fi Money

8.9/10
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What sets them apart

Fi Money vs N26
CompareFi MoneyFi MoneyReviewSee alternativesSee alternativesN26N26ReviewVisitVisit
Monthly fee₹0€0
Licence typePayment institutionNot confirmed
CurrenciesNot confirmedfrom 35
Local account detailsNot confirmedIBAN
Free ATM withdrawalsNot confirmed€2
Transfer feeNot confirmedFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free

Same on both: Deposit protection (EU DGS up to EUR 100,000), Currency conversion fee (0%).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • N26 scores higher overall: 9.1 vs 8.9.
  • N26 is available in 19 more countries.
  • Support channels: only N26 offers Phone.
  • Features: only N26 offers Free ATM, Joint account.

Our verdict on each

Fi Money

Fi Money charges a monthly fee of INR 0 and a currency conversion fee of 0%, a pairing that sits at the sharp end of the everyday account market. It suits people who want easy access savings on digital only terms, and less so anyone who needs support beyond email, chat and help centre.

Read the full Fi Money review

N26

N26 suits people who want banking costs to stay flat and who move money across currencies often: the monthly fee is €0 and the currency conversion fee is 0%. It is aimed at expats, travelers, students and teens, and savings sit alongside the everyday account.

Read the full N26 review

Score breakdown

Fi Money vs N26
AreaFi MoneyN26
Cost9.49.4Fees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.
Offer9.29.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.
Trust8.28.5Higher

How they place

Fi Money vs N26
RankingFi MoneyN26
Savings accounts404 of 142022 of 1420
Online banks123 of 4029 of 402

Every fact side by side

Fi Money vs N26
FactFi MoneyN26
AudienceNot confirmedExpats, Travelers, Student, Teen
Pricing modelNo monthly fee, Low FXNo monthly fee, Low FX
FeaturesDigital onlyFree ATM, Joint account, Digital onlyCovers more
Legal entityMoney InternationalN26 Bank SE
HeadquartersBelgiumGermany
FoundedNot confirmed2013
Support channelsEmail, Chat, Help centreEmail, Chat, Phone, Help centreCovers more

Savings

Fi Money vs N26
FactFi MoneyN26
Headline rateNot confirmed0.3% to 1.5%
Rate typeNot confirmedVariable
Access termsExisting accounts: log in to the Federal Bank FedMobile app; new savings accounts cannot be opened through the Fi app100% flexible: deposit and withdraw any amount, whenever you want
Account kindEasy accessEasy access

Money transfer

Fi Money vs N26
FactFi MoneyN26
Exchange rate markupNot confirmed0%
Delivery timeNot confirmedInstant to 1 business day
Payout methodsNot confirmedBank, Card
Fee to send 1,000Not confirmed€0

Where each stands against the rest

Fi Money vs N26
FactFi MoneyN26Median
Currency conversion fee0%below the median0%below the median0.5%
CurrenciesNot confirmedfrom 35highest quarter5
Free ATM withdrawalsNot confirmed€2above the median€1

Median across 536 listed accounts.

Pros and cons

Fi Money

Pros

  • A monthly fee of INR 0 and a conversion fee of 0% put Fi Money at a rank of 1 among 500 brands, and 1 among 312 brands for conversion.
  • Deposits sit under EU DGS up to EUR 100,000, and the savings account is easy access so the balance stays reachable.
  • The pricing model is no monthly fee and low fx, with day to day help over email, chat and help centre.

Cons

  • New savings accounts are opened outside the Fi app, so existing customers reach the balance through the Federal Bank FedMobile app.
  • Support runs on email, chat and help centre only, so there is no phone line for urgent problems.
  • The account is digital only, so branch and counter service are ruled out.

N26

Pros

  • Deposits are protected through EU DGS up to EUR 100,000, with N26 Bank SE supervised by BaFin in Germany.
  • The savings pot is easy access and fully flexible, so deposits and withdrawals happen in any amount, whenever you want.
  • Support is broad for an app-based bank, running on email, chat and phone.

Cons

  • The savings rate is variable and sits at 0.3% to 1.5%, below the 3% median across savings accounts on the site.
  • Local payment details run on iban, so UK sort codes and US ACH numbers are not part of the standard setup.

Who each suits

Fi Money

Who it suits

  • People who want an easy access savings account with a monthly fee of INR 0 and a conversion fee of 0%.
  • Existing Federal Bank FedMobile app users who want their savings balance in the same place as their everyday banking.

Who should look elsewhere

  • Anyone after a card and credit product rather than savings, where AXI Card lists a monthly fee of €0.
  • People who want a dealing platform or a payments wallet, where XTB charges a monthly fee of €0 and Skrill charges €0.

N26

Who it suits

  • Expats, travelers, students and teens who want spending and savings in the same app, with from 35 currencies to hold.
  • Readers who move money across borders, since transfers arrive in Instant to 1 business day and pay out to a bank account or a card.

Who should look elsewhere

  • Pixpay FR, because its monthly fee of €3.99 suits readers who will put regular use through the account rather than those who want a fee-free everyday account.
  • bunq Spain Bank Account, because a currency conversion fee of 3% suits readers banking mainly in euros and converting rarely.

Current offers

N26

Current offer

  • Bonus

    1% travel cashback: 1% cashback for up to 12 months on qualifying Mastercard transactions outside the EEA, Switzerland and the UK

    N26 Go and Metal customers only; enrolment required via in-app message, email or push notification; up to 12 months

    Source, checked September 26, 2026

Country by country

Fi Money vs N26
CountryFi MoneyN26
AustriaNoYes
DenmarkNoYes
EstoniaNoYes
FinlandNoYes
FranceNoYes
GermanyNoYes
GreeceNoYes
IcelandNoYes

8 of 22 countries where either is available.

Questions about each

Fi Money

What does it cost to keep a Fi Money account?+

The monthly fee is INR 0 and the currency conversion fee is 0%, so neither common charge adds anything to the cost. Fi Money ranks 1 among 500 brands for the monthly fee and 1 among 312 for conversion.

Is my money protected and who regulates Fi Money?+

The legal entity is Money International, registered in Belgium, and it holds a payment institution licence listed as PSD_PI BE_NBB!0475445104. It appears on the BE_NBB register and the European Banking Authority payment services register. Deposits are covered by EU DGS up to EUR 100,000, which protects savings up to the scheme limit.

N26

What does N26 cost to keep open each month?+

The everyday account is free to run: the monthly fee is €0, and N26 sits at position 1 of 500 brands on that column. Spending, savings and support all sit in the same app, so holding the account costs nothing to maintain.

How much does it cost to convert or send money abroad?+

Foreign currency conversion costs 0%, and the exchange rate margin is 0%. The transfer fee is free: no extra charge is added to Wise-powered international transfers, and MoneyBeam domestic transfers are free. That keeps the cost of moving money abroad close to nothing.

Other options to compare

N26

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Fi Money

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