Updated September 28, 2026 · VaultCue Editorial Team
N26 vs Pixpay FR
N26
Higher score in this comparison
Pixpay FR
Where N26 and Pixpay FR differ
| Compare | N26ReviewVisitVisit | Pixpay FRReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €3.99 |
| Currency conversion fee | 0%Lower | 2% |
| Free ATM withdrawals | €2Higher | €1 |
| Transfer fee | Free: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free | Free: no top-up fee when funding by card or transfer, and no transaction fees |
| Currencies | from 35 | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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Key differences
- N26 scores higher overall: 9.1 vs 8.7.
- Pixpay FR is licensed in 1 more country.
- N26 is available in 18 more countries.
- Monthly fee is lower at N26: €0 vs €3.99.
- Currency conversion fee is lower at N26: 0% vs 2%.
- Free ATM withdrawals is higher at N26: €2 vs €1.
- Support channels: only N26 offers Phone.
- Audience: only N26 offers Expats, Travelers, Student.
- Features: only N26 offers 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.
Pixpay FR
Pixpay suits a teen in France who wants a card and app of their own. It costs €3.99 a month, converts currency at 2%, and covers deposits under EU protection, so euro spending stays cheap while other currencies do not.
Score breakdown
| Area | N26 | Pixpay FR |
|---|---|---|
| Cost | 9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312. | 8.4Monthly fee of €3.99 against a site median of €0, with fx conversion at 2%. |
| Offer | 9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings. | 9.2Built for teens per teen, with free ATM withdrawals per free atm and joint account and support on email, chat and help centre. |
| Trust | 8.5 | Not confirmed |
Cost in a real example
A year with 1,000 spent abroad
N26
€0
12 × €0 + 0% of 1,000
Pixpay FR
€67.88
12 × €3.99 + 2% of 1,000
N26 costs €67.88 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
| Country | N26 | Pixpay FR |
|---|---|---|
| Germany | Not confirmed | |
| Malta | Not confirmed | |
| Netherlands | Not confirmed | De Nederlandsche Bank N.V. R182870 |
Available in 2 countries for both. Additional countries for N26: 19. Additional countries for Pixpay FR: 1.
Where these facts come from
N26
- n26.com: 14 facts, checked September 26, 2026
Pixpay FR
- pixpay.fr: 7 facts, checked September 26, 2026
- pixpay.zendesk.com: 4 facts, checked September 26, 2026
How they place
| Ranking | N26 | Pixpay FR |
|---|---|---|
| Student, teen and kids accounts | 6 of 273 | 5 of 273 |
Every fact side by side
| Fact | N26 | Pixpay FR |
|---|---|---|
| Audience | Expats, Travelers, Student, TeenCovers more | Teen |
| Pricing model | No monthly fee, Low FX | Not confirmed |
| Features | Free ATM, Joint account, Digital onlyCovers more | Free ATM, Joint account |
| Legal entity | N26 Bank SE | BFF Financial Services |
| Headquarters | Germany | France |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Help centre |
Savings
| Fact | N26 | Pixpay FR |
|---|---|---|
| Headline rate | 0.3% to 1.5% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Access terms | 100% flexible: deposit and withdraw any amount, whenever you want | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | N26 | Pixpay FR |
|---|---|---|
| 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 | Pixpay FR | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €3.99highest quarter | €0 |
| Currency conversion fee | 0%below the median | 2%above the median | 0.5% |
| Currencies | from 35highest quarter | Not confirmed | 5 |
| Free ATM withdrawals | €2above the median | €1at the median | €1 |
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.
Pixpay FR
Pros
- Built for teens as the account's stated audience, which is a smaller field than general accounts
- Deposits are under EU DGS with cover of EU DGS up to EUR 100,000
- No charge to top up by card or transfer, and no transaction fees, so everyday money movement costs nothing
Cons
- A monthly fee of €3.99 where the site median is €0
- A currency conversion fee of 2%, against a site median of 0.5% and a teen and student median of 1.5%
- Support runs on email, chat and help centre only, with no phone line listed
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.
Pixpay FR
Who it suits
- A teen in France who wants their own card and app, with a French IBAN and euro pricing
- A parent looking for a shared or joint account with a young person
- Anyone who holds euro spending money and wants the balance covered by EU deposit protection
Who should look elsewhere
- Anyone who spends in other currencies often, since the conversion fee sits well above the teen and student median
- A reader who wants an account with no monthly charge, where bunq lists a monthly fee of €0
- Credit Agricole Egypt Member Get Member, which charges a monthly fee of EGP 50 and targets a different market
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
Pixpay FR
Current offer
First period offer
One month free for back to school (code BACKTOSCHOOL): 1 month free
Promo code BACKTOSCHOOL, autumn 2026 offer on Pixpay plans; cancellable at any time
Source, checked September 26, 2026
Country by country
| Country | N26 | Pixpay FR |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| Germany | Yes | No |
| Greece | Yes | No |
| Iceland | 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.
Pixpay FR
How much does Pixpay cost to run each month?+
The monthly fee is €3.99, where the median across the accounts tracked is €0. Most of the accounts in the teen and student ranking charge nothing, so the monthly charge is the main running cost here. It ranks 443 of 500 on that measure.
What does it cost to change currency?+
Currency conversion is charged at 2%, which sits above the site median of 0.5% and the teen and student median of 1.5%. A reader who spends mainly in the euro pays nothing extra, since the fee applies when money is converted. It ranks 214 of 312 on conversion cost.
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