Neobank comparison
Compare Monese and N26 side by side: fees, regulation, platforms.
Best for newcomers without local credit history
Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, …
Best for the eurozone
N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for p…
| Feature | Monese | N26 |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 2.50% | 0% |
| Savings APY | - | 2.74% |
| Currencies | 3 | 1 |
| Card network | Mastercard | Mastercard |
| Deposit protection | Safeguarded (FCA-authorised e-money) | German deposit guarantee (EdB) up to 100,000 EUR |
| Regulators | - | - |
| Best for | Best for newcomers without local credit history | Best for the eurozone |
| Markets & account | ||
Monese
Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, with multi-currency basics built in from day one.
Confirm current fees and rates on the provider's site. T&Cs apply.
N26
N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for people who live and earn in euros.
Confirm current fees and rates on the provider's site. T&Cs apply.
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