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Updated September 28, 2026 · VaultCue Editorial Team

N26 vs Revolut AU

N26 scores 9.1 and Revolut AU 9.1 out of 10. Compare their differences and shared features below.
N26

N26

Higher score in this comparison

9.1/10
Visit
Revolut AU

Revolut AU

9.1/10
Visit

What sets them apart

N26 vs Revolut AU
CompareN26N26ReviewVisitVisitRevolut AURevolut AUReviewVisitVisit
Monthly fee€0£0
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Currency conversion fee0%0% to 1%
Currenciesfrom 3530
Transfer feeFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers freeFree in SEPA; paid plans discount elsewhere, free on Ultra worldwide
Licence typeNot confirmedE money
Free ATM withdrawals€2Not confirmed

Same on both: Local account details (IBAN).

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

  • Founded is lower at N26: 2013 vs 2015.
  • Revolut AU is licensed in 1 more country.
  • Revolut AU is available in 18 more countries.
  • Support channels: only N26 offers Email.
  • Audience: only N26 offers Expats, Student.
  • Audience: only Revolut AU offers Freelancer.
  • 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.

Read the full N26 review

Revolut AU

Revolut AU is a fair pick for travellers, freelancers and teens who want many currencies without a monthly charge. It scores 7.6 overall, with an offer part of 9.3 and a cost part of 6.3. The monthly fee is £0 and the currency conversion fee runs 0% to 1%.

Read the full Revolut AU review

Score breakdown

N26 vs Revolut AU
AreaN26Revolut AU
Cost9.4Fees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.9.4Monthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%.
Offer9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.9.3Holds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3.
Trust8.58.6Higher

Licences and countries

N26 vs Revolut AU
CountryN26Revolut AU
GermanyNot confirmed
LithuaniaNot confirmed
LT_BL PSD_EMI LT_LT_BL_304940980
United KingdomNot confirmed

Available in 20 countries for both. Additional countries for N26: 1. Additional countries for Revolut AU: 19.

Where they rank in our lists

N26 vs Revolut AU
RankingN26Revolut AU
Savings accounts22 of 142039 of 1420
Money transfer services11 of 156428 of 1564
Student, teen and kids accounts6 of 2739 of 273

Every fact side by side

N26 vs Revolut AU
FactN26Revolut AU
AudienceExpats, Travelers, Student, TeenTravelers, Freelancer, Teen
Pricing modelNo monthly fee, Low FXNo monthly fee, Low FX
FeaturesFree ATM, Joint account, Digital onlyCovers moreFree ATM, Joint account
Legal entityN26 Bank SERevolut Payments UAB
HeadquartersGermanyLithuania
Founded2013Lower2015
Support channelsEmail, Chat, Phone, Help centreCovers moreChat, Help centre, Phone

Savings

N26 vs Revolut AU
FactN26Revolut AU
Headline rate0.3% to 1.5%4%Higher
Rate typeVariableVariable
Minimum depositNot confirmed£0
Access terms100% flexible: deposit and withdraw any amount, whenever you wantInstant access via the Revolut app, fee-free withdrawals, no withdrawal limits
Account kindEasy accessEasy access

Money transfer

N26 vs Revolut AU
FactN26Revolut AU
Exchange rate markup0%Not confirmed
Delivery timeInstant to 1 business dayNot confirmed
Payout methodsBank, CardCovers moreBank
Fee to send 1,000€0Not confirmed

Where each stands against the rest

N26 vs Revolut AU
FactN26Revolut AUMedian
Currency conversion fee0%below the median0% to 1%below the median0.5%
Currenciesfrom 35highest quarter30highest quarter5
Free ATM withdrawals€2above the medianNot confirmed€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.

Revolut AU

Pros

  • Monthly fee of £0, ranked 1 of 500 brands on that measure.
  • Currencies held number 30, well above the site median of 5 for the set.
  • A savings balance paying 4% at a variable rate, against a site median of 3%.

Cons

  • Deposit protection is listed as FSCS up to GBP 85,000, and the licence type is e money rather than a bank licence.
  • The savings rate is variable, so the 4% figure can move.
  • Transfer pricing is uneven: free in SEPA, discounted on paid plans elsewhere, and free on Ultra worldwide.

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.

Revolut AU

Who it suits

  • Travellers holding several currencies, one of the audiences in travelers, freelancer and teen.
  • Freelancers billing across currencies who want local account details such as iban.
  • Teens in travelers, freelancer and teen who want a joint account or free ATM withdrawals.

Who should look elsewhere

  • Anyone wanting a bank licence rather than e money cover.
  • Skrill, if you want a money transfer service rather than a multi-currency current account.
  • XTB, if you want a trading platform with its own fee of €0.

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

N26 vs Revolut AU
CountryN26Revolut AU
AustraliaNoYes
BrazilNoYes
BulgariaNoYes
CroatiaNoYes
CyprusNoYes
CzechiaNoYes
HungaryNoYes
IndiaNoYes

8 of 40 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.

Revolut AU

What is the monthly fee on Revolut AU?+

The monthly fee is £0, and the account sits in the no monthly fee and low fx model. It ranks 1 of 500 brands on monthly fee, matching the site median of €0, so nothing is deducted for holding the account.

How much does it cost to change currency?+

Currency conversion costs 0% to 1% across 30 currencies. The upper end of that range sits near the everyday-account maximum of 3.99%, so frequent conversion is the line to watch in the pricing.

Other options to compare

N26

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Revolut AU

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