Updated September 28, 2026 · VaultCue Editorial Team
N26 vs Nu Colombia
N26
Higher score in this comparison
Nu Colombia
Where N26 and Nu Colombia differ
| Compare | N26ReviewVisitVisit | Nu ColombiaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | COP 0 |
| Currency conversion fee | 0%Lower | 0.45% |
| Free ATM withdrawals | €2 | COP 1 |
| Transfer fee | Free: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free | 0 COP, unlimited free transfers to any Colombian bank or digital wallet |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currencies | from 35 | Not confirmed |
| Local account details | IBAN | Not confirmed |
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Key differences
- N26 scores higher overall: 9.1 vs 8.3.
- Founded is lower at N26: 2013 vs 2020.
- N26 is available in 20 more countries.
- Currency conversion fee is lower at N26: 0% vs 0.45%.
- Support channels: only N26 offers Chat.
- Pricing model: only N26 offers Low FX.
- Features: only N26 offers Joint account, Digital only.
Our verdict on each
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.
Nu Colombia
Nu Colombia suits anyone in Colombia who wants a peso account for everyday money with no monthly charge and free transfers. The monthly fee is COP 0, the rate is variable at 0.1%, and daily yield suits a holding account rather than a saver.
Score breakdown
| Area | N26 | Nu Colombia |
|---|---|---|
| Cost | 9.4Fees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312. | Not confirmed |
| Offer | 9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings. | 8.6Fee free to run at a COP 0 monthly fee, with a variable rate of 0.1% and free local transfers. |
| Trust | 8.5Higher | 8.1 |
Spending 1,000 abroad
N26
0
0% of 1,000
Nu Colombia
4.5
0.45% of 1,000
N26 comes out 4.5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where these facts come from
N26
- n26.com: 14 facts, checked September 26, 2026
Nu Colombia
- nu.com.co: 9 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | N26 | Nu Colombia |
|---|---|---|
| Savings accounts | 22 of 1420 | 600 of 1420 |
Every fact side by side
| Fact | N26 | Nu Colombia |
|---|---|---|
| Audience | Expats, Travelers, Student, Teen | Not confirmed |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Free ATM, Joint account, Digital onlyCovers more | Free ATM |
| Legal entity | N26 Bank SE | Nu Colombia Compania de Financiamiento S.A. |
| Headquarters | Germany | Colombia |
| Founded | 2013Lower | 2020 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Savings
| Fact | N26 | Nu Colombia |
|---|---|---|
| Headline rate | 0.3% to 1.5%Higher | 0.1% |
| Rate type | Variable | Variable |
| Minimum deposit | Not confirmed | COP 0 |
| Access terms | 100% flexible: deposit and withdraw any amount, whenever you want | Easy access with no time or minimum deposit requirements; unlimited free transfers to any bank, 1 free ATM withdrawal per month, daily yield shown in the app |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | N26 | Nu Colombia |
|---|---|---|
| Exchange rate markup | 0% | Not confirmed |
| Delivery time | Instant to 1 business day | Not confirmed |
| Payout methods | Bank, Card | Not confirmed |
| Fee to send 1,000 | €0 | Not confirmed |
Where each stands against the rest
| Fact | N26 | Nu Colombia | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0.45%below the median | 0.5% |
| Currencies | from 35highest quarter | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
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.
Nu Colombia
Pros
- A COP 0 monthly fee, so running the account is free
- Unlimited free transfers to any Colombian bank or digital wallet, plus COP 1 free ATM withdrawals a month
- A variable yield of 0.1%, credited daily in the app
Cons
- A yield of 0.1% sits well below the 3.08% savings median
- The rate is variable, so the 0.1% yield can move rather than hold for a term
- Free cash withdrawals are capped at COP 1 a month, and the balance is otherwise moved by transfer
Who each suits
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.
Nu Colombia
Who it suits
- Colombian residents who want a peso account for daily spending
- People who move money often and want unlimited free transfers to local banks and wallets
- Holders who accept a variable low yield in exchange for no monthly charge
Who should look elsewhere
- PayPal Colombia, which lists a headline rate of 3.3% against 0.1% here
- AXI Card, which shows 21.59% for anyone chasing the rate rather than free transfers
- Plazo ES, which lists 24.19% for anyone focused on rate rather than free local transfers
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
| Country | N26 | Nu Colombia |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Colombia | No | Yes |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
8 of 22 countries where either is available.
Questions about each
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.
Nu Colombia
What does it cost to run the account?+
There is no monthly charge, with a monthly fee of COP 0. Transfers to any Colombian bank or digital wallet are unlimited and free. Currency conversion is charged at 0.45%, below the 0.5% median on the site.
What rate does the balance earn?+
The account pays a variable rate of 0.1%, and the daily yield is shown in the app. Because the rate is variable it can move, and it sits well below the 3.08% median for savings accounts on the site.
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Related by the facts
N26
Nu Colombia