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Updated September 29, 2026 · VaultCue Editorial Team

Mox Bank vs N26

Mox Bank scores 8.6 and N26 9.1 out of 10. Compare their differences and shared features below.
N26

N26

Higher score in this comparison

9.1/10
Visit
Mox Bank

Mox Bank

8.6/10
See alternatives

What sets them apart

Mox Bank vs N26
CompareMox BankMox BankReviewSee alternativesSee alternativesN26N26ReviewVisitVisit
Headline rate0.001%0.3% to 1.5%Higher
Access termsInterest credited daily to the Mox Account; savings balance usable for daily purchases100% flexible: deposit and withdraw any amount, whenever you want
Monthly feeHK$0€0
Deposit protectionNot confirmedEU DGS up to EUR 100,000

Same on both: Rate type (Variable), 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

  • N26 scores higher overall: 9.1 vs 8.6.
  • Founded is lower at N26: 2013 vs 2020.
  • N26 is available in 20 more countries.
  • Headline rate is higher at N26: 0.3% to 1.5% vs 0.001%.
  • Support channels: only Mox Bank offers Community.
  • Support channels: only N26 offers Chat.

Our verdict on each

Mox Bank

Mox Bank suits readers who want a digital-only account that credits interest daily and moves money across several currencies, not the highest savings rate. The monthly fee on the easy access account is HKD 0, transfers carry fees of HKD 0, and the savings rate is 0.001%.

Read the full Mox Bank 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

Mox Bank vs N26
AreaMox BankN26
Cost9.19.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.
Offer8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest.9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.
Trust8.18.5Higher

How they place

Mox Bank vs N26
RankingMox BankN26
Savings accounts559 of 142022 of 1420
Money transfer services425 of 156411 of 1564
Online banks190 of 4029 of 402

Every fact side by side

Mox Bank vs N26
FactMox BankN26
Pricing modelNo monthly fee, Low FXNo monthly fee, Low FX
Legal entityMox Bank LimitedN26 Bank SE
HeadquartersHong KongGermany
Founded20202013Lower
Support channelsEmail, Phone, Help centre, CommunityEmail, Chat, Phone, Help centre

Everyday accounts

Mox Bank vs N26
FactMox BankN26
Currency conversion feeNot confirmed0%
Currencies17from 35
AudienceNot confirmedExpats, Travelers, Student, Teen
FeaturesDigital onlyFree ATM, Joint account, Digital onlyCovers more
Local account detailsNot confirmedIBAN
Free ATM withdrawalsNot confirmed€2
Transfer fee0 remit fees on all global money transfers (Express Remit) from 2 July 2024Free: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free

Money transfer

Mox Bank vs N26
FactMox BankN26
Exchange rate markupNot confirmed0%
Delivery time20 seconds to 1 weekInstant to 1 business day
Payout methodsBank, WalletBank, Card
Fee to send 1,000HK$0€0

Where each stands against the rest

Mox Bank vs N26
FactMox BankN26Median
Headline rate0.001%lowest quarter0.3% to 1.5%lowest quarter3.25%

Median across 658 listed accounts.

Pros and cons

Mox Bank

Pros

  • A monthly fee of HKD 0 on the account, with a no monthly fee and low fx pricing model.
  • Transfer fees of HKD 0 on Express Remit transfers, paying out to bank and wallet.
  • Interest is credited daily and the savings balance is usable for daily purchases.

Cons

  • The savings rate of 0.001% sits far under the 3% common across the accounts compared here.
  • The service is digital only, so everything runs through the app rather than a branch.
  • Transfers can take 20 seconds to 1 week to arrive.

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

Mox Bank

Who it suits

  • People who want the same balance to cover daily spending and savings, with interest credited daily.
  • Readers who send money abroad regularly and value transfer fees of HKD 0.
  • Anyone banking entirely in an app across 17 currencies.

Who should look elsewhere

  • Anyone chasing a high savings rate, since AXI Card Tarjeta y Credito shows 21.59%.
  • Readers who want more from a savings product: PayPal Colombia lists 3.3%.
  • Plazo ES suits people who prefer a headline rate of 24.19% over daily crediting.

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

Mox Bank

Current offer

  • Bonus

    Mission Bonus Rate: Up to 3.5% p.a. on deposit

    Stacking missions; see Mission Bonus Rate Promotion (2026) Terms and Conditions

    Source, checked September 26, 2026

  • Bonus

    Mox Payroll: 1.5% p.a. savings top up

    Set payroll with Mox; see Payroll Transfer Promotion Terms and Conditions

    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

Mox Bank vs N26
CountryMox BankN26
AustriaNoYes
BelgiumNoYes
DenmarkNoYes
EstoniaNoYes
FinlandNoYes
FranceNoYes
GermanyNoYes
GreeceNoYes

8 of 22 countries where either is available.

Questions about each

Mox Bank

What does Mox Bank charge to keep an account open?+

The account carries a monthly fee of HKD 0, and the pricing model is no monthly fee and low fx. That matches the €0 median monthly fee across the accounts compared here, which leaves the account among the cheapest digital banks to hold.

How much interest do I earn on Mox savings?+

The headline rate is 0.001% and the rate type is variable, so the return can move rather than staying fixed for a term. Interest is credited daily to the Mox Account, and the savings balance can be spent on everyday purchases. Readers shopping for yield should compare the 3% median here.

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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Mox Bank

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