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Updated September 28, 2026 · VaultCue Editorial Team

N26 vs Satispay

N26 scores 9.1 and Satispay 8.9 out of 10. Compare their differences and shared features below.
N26

N26

Higher score in this comparison

9.1/10
Visit
Satispay

Satispay

8.9/10
See alternatives

Where N26 and Satispay differ

N26 vs Satispay
CompareN26N26ReviewVisitVisitSatispaySatispayReviewSee alternativesSee alternatives
Currency conversion fee0%Lower0.5%
Free ATM withdrawals€2€200Higher
Transfer feeFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers freeFree to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR
Currenciesfrom 35Not confirmed

Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000), 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

  • N26 scores higher overall: 9.1 vs 8.9.
  • Founded is lower at N26: 2013 vs 2014.
  • Satispay is available in 9 more countries.
  • Currency conversion fee is lower at N26: 0% vs 0.5%.
  • Free ATM withdrawals is higher at Satispay: €200 vs €2.
  • Support channels: only N26 offers Chat.
  • Audience: only N26 offers Expats, Student, Teen.
  • Audience: only Satispay offers Business.
  • Features: only N26 offers Joint account.

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

Satispay

Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.

Read the full Satispay review

Score breakdown

N26 vs Satispay
AreaN26Satispay
Cost9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.9.2Monthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%.
Offer9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.9.3Savings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use.
Trust8.58.5

How they place

N26 vs Satispay
RankingN26Satispay
Savings accounts22 of 1420435 of 1420
Money transfer services11 of 1564322 of 1564
Online banks9 of 402133 of 402

Every fact side by side

N26 vs Satispay
FactN26Satispay
AudienceExpats, Travelers, Student, TeenTravelers, Business
Pricing modelNo monthly fee, Low FXNo monthly fee, Low FX
FeaturesFree ATM, Joint account, Digital onlyCovers moreFree ATM, Digital only
Legal entityN26 Bank SESatispay Europe SA
HeadquartersGermanyLuxembourg
Founded2013Lower2014
Support channelsEmail, Chat, Phone, Help centreCovers moreEmail, Phone, Help centre

Savings

N26 vs Satispay
FactN26Satispay
Headline rate0.3% to 1.5%2.61%Higher
Rate typeVariableVariable
Minimum depositNot confirmed€0
Access terms100% flexible: deposit and withdraw any amount, whenever you wantImmediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita
Account kindEasy accessEasy access

Money transfer

N26 vs Satispay
FactN26Satispay
Exchange rate markup0%Lower0.5% to 1%
Delivery timeInstant to 1 business dayReal time, instant between Satispay users
Payout methodsBank, CardBank, Wallet, CardCovers more
Fee to send 1,000€0€0

Where each stands against the rest

N26 vs Satispay
FactN26SatispayMedian
Monthly fee€0at the median€0at the median€0
Currency conversion fee0%below the median0.5%at the median0.5%
Currenciesfrom 35highest quarterNot confirmed5
Free ATM withdrawals€2above the median€200above 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.

Satispay

Pros

  • A monthly fee of €0, and Satispay ranks 1 of 500 on cost
  • Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
  • Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability

Cons

  • The savings yield of 2.61% trails the 3% site median
  • Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
  • The currency conversion margin runs 0.5% to 1%, above the 0.9% site median

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.

Satispay

Who it suits

  • Everyday spenders who want an account with no monthly charge and free transfers
  • Travellers paying in several currencies who weigh the conversion fee before the rate
  • People holding a savings balance they can draw on immediately, with no lock in

Who should look elsewhere

  • Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
  • PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account

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

Satispay

Current offer

  • Bonus

    Welcome Bonus 5 EUR with code WEB: 5 EUR

    Sign up by downloading the app and use code WEB

    Source, checked September 26, 2026

Country by country

N26 vs Satispay
CountryN26Satispay
BulgariaNoYes
CroatiaNoYes
CyprusNoYes
CzechiaNoYes
HungaryNoYes
LatviaNoYes
LithuaniaNoYes
MaltaNoYes

8 of 31 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.

Satispay

What does Satispay cost to keep?+

The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.

What does it cost to convert currency?+

Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.

Other options to compare

N26

Visit

Satispay

See alternatives