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Updated September 28, 2026 · VaultCue Editorial Team

Fortuneo vs N26

Fortuneo scores 9.2 and N26 9.1 out of 10. Compare their differences and shared features below.
N26

N26

9.1/10
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Fortuneo

Fortuneo

Higher score in this comparison

9.2/10
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Fortuneo vs N26: the differences

Fortuneo vs N26
CompareFortuneoFortuneoReviewSee alternativesSee alternativesN26N26ReviewVisitVisit
Headline rate5%Higher0.3% to 1.5%
Access termsSavings accessible 24/7, withdrawals free from EUR 10 with no fees or penalties, interest credited annually100% flexible: deposit and withdraw any amount, whenever you want
Minimum deposit€10Not confirmed

Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0), Account kind (Easy access).

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

  • Fortuneo scores higher overall: 9.2 vs 9.1.
  • Founded is lower at Fortuneo: 2000 vs 2013.
  • N26 is available in 20 more countries.
  • Headline rate is higher at Fortuneo: 5% vs 0.3% to 1.5%.
  • Pricing model: only N26 offers Low FX.

Our verdict on each

Fortuneo

Fortuneo suits anyone in France who wants easy-access savings that earn a variable rate without a monthly charge. Arkea Direct Bank runs it under ACPR and ORIAS, savings sit under EU DGS up to EUR 100,000, and a 5% headline rate beats the site median of 3%.

Read the full Fortuneo 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

Fortuneo vs N26
AreaFortuneoN26
Cost8.8No monthly fee of €0 on savings, a currency conversion fee of 0%, transfers at 0 EUR (instant SEPA transfers free).9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.
Offer9.7HigherA variable headline rate of 5% on an easy-access account, with joint account and free ATM withdrawal features.9.5Aimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.
Trust9.3Higher8.5

How they place

Fortuneo vs N26
RankingFortuneoN26
Savings accounts196 of 142022 of 1420
Online banks50 of 4029 of 402

Every fact side by side

Fortuneo vs N26
FactFortuneoN26
Pricing modelNo monthly feeNo monthly fee, Low FXCovers more
Legal entityArkea Direct BankN26 Bank SE
HeadquartersFranceGermany
Founded2000Lower2013
Support channelsPhone, Email, Chat, Help centreEmail, Chat, Phone, Help centre

Everyday accounts

Fortuneo vs N26
FactFortuneoN26
Currency conversion fee0%0%
CurrenciesNot confirmedfrom 35
AudienceTravelersExpats, Travelers, Student, TeenCovers more
FeaturesJoint account, Digital only, Free ATMFree ATM, Joint account, Digital only
Local account detailsIBANIBAN
Free ATM withdrawalsNot confirmed€2
Transfer fee0 EUR (instant SEPA transfers free)Free: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free

Money transfer

Fortuneo vs N26
FactFortuneoN26
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

Fortuneo vs N26
FactFortuneoN26Median
Headline rate5%above the median0.3% to 1.5%lowest quarter3.25%
Minimum deposit€10above the medianNot confirmed€1
Monthly fee€0at the median€0at the median€0

Median across 658 listed accounts.

Pros and cons

Fortuneo

Pros

  • No monthly fee of €0 on the savings account, matching the site median of €0.
  • A variable headline rate of 5% against a site median of 3%.
  • Savings under EU DGS up to EUR 100,000, with Arkea Direct Bank regulated by ACPR and ORIAS.

Cons

  • The rate is variable, so 5% can move rather than being locked in.
  • Interest is credited annually, so credited growth shows up on the annual cycle rather than monthly.
  • A branch counter is not among the features listed as joint account, digital only and free atm, so banking runs through the app.

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

Fortuneo

Who it suits

  • People in France keeping money accessible day to day while it earns interest.
  • Travellers who convert currency, with a 0% currency conversion fee.
  • Couples who want to hold a joint account.

Who should look elsewhere

  • Anyone wanting a fixed rate, since the rate is variable.
  • Anyone who needs a branch, as the account is digital-only.
  • People who need monthly interest, as interest is credited annually.

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

Fortuneo

Current offer

  • Bonus

    EUR 80 for a first deposit account with Gold Mastercard: 80 EUR

    First opening of a deposit account with Gold Mastercard, 5 payments within 90 days, welcome offer code BIENVENUEFTO

    Source, checked September 26, 2026

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

Fortuneo vs N26
CountryFortuneoN26
AustriaNoYes
BelgiumNoYes
DenmarkNoYes
EstoniaNoYes
FinlandNoYes
GermanyNoYes
GreeceNoYes
IcelandNoYes

8 of 21 countries where either is available.

Questions about each

Fortuneo

What is the headline rate on Fortuneo savings?+

The savings account pays a variable headline rate of 5%, above the site median of 3%. Because the rate is variable it can move, so the credited amount is not fixed in advance. Interest is credited annually.

Is there a monthly fee?+

No. The monthly fee is €0, the same as the site median of €0. Fortuneo runs a no-monthly-fee model, which is the most common model in this category on the site.

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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Fortuneo

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