Updated September 28, 2026 · VaultCue Editorial Team
N26 vs SeaBank Indonesia
N26
Higher score in this comparison
SeaBank Indonesia
Where N26 and SeaBank Indonesia differ
| Compare | N26ReviewVisitVisit | SeaBank IndonesiaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | IDR 0 |
| Transfer fee | Free: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free | Free transfer up to 100 times per month |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | from 35 | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | €2 | Not confirmed |
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Key differences
- N26 scores higher overall: 9.1 vs 8.9.
- N26 is available in 20 more countries.
- Support channels: only N26 offers Email, Chat, Phone.
- Audience: only N26 offers Expats, Travelers, Teen.
- Audience: only SeaBank Indonesia offers Business.
- Pricing model: only N26 offers Low FX.
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.
SeaBank Indonesia
SeaBank Indonesia suits business owners and students who want an easy-access savings account with a monthly fee of IDR 0 and free transfers within a monthly allowance. Its headline rate of 3.5% sits close to the savings account median, 3.08%, so the case rests on cost and access.
Score breakdown
| Area | N26 | SeaBank Indonesia |
|---|---|---|
| Cost | 9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312. | 9.1No monthly charge: IDR 0, with transfers free within a monthly allowance at IDR 0. |
| Offer | 9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings. | 8.6Easy-access balance with interest paid every day at a variable rate of 3.5%. |
| Trust | 8.5 | Not confirmed |
How they place
| Ranking | N26 | SeaBank Indonesia |
|---|---|---|
| Savings accounts | 22 of 1420 | 436 of 1420 |
| Money transfer services | 11 of 1564 | 323 of 1564 |
| Student, teen and kids accounts | 6 of 273 | 133 of 273 |
Every fact side by side
| Fact | N26 | SeaBank Indonesia |
|---|---|---|
| Audience | Expats, Travelers, Student, Teen | Business, Student |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Free ATM, Joint account, Digital only | Not confirmed |
| Legal entity | N26 Bank SE | PT Bank Seabank Indonesia |
| Headquarters | Germany | Indonesia |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre |
Savings
| Fact | N26 | SeaBank Indonesia |
|---|---|---|
| Headline rate | 0.3% to 1.5% | 3.5%Higher |
| Rate type | Variable | Variable |
| Access terms | 100% flexible: deposit and withdraw any amount, whenever you want | Savings interest calculated and paid daily |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | N26 | SeaBank Indonesia |
|---|---|---|
| Exchange rate markup | 0% | Not confirmed |
| Delivery time | Instant to 1 business day | Not confirmed |
| Payout methods | Bank, Card | Bank, Cash pickup, Wallet |
| Fee to send 1,000 | €0 | IDR 0 |
Where each stands against the rest
| Fact | N26 | SeaBank Indonesia | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | from 35highest quarter | Not confirmed | 5 |
| Free ATM withdrawals | €2above the median | Not 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.
SeaBank Indonesia
Pros
- Interest is calculated and credited every day on an easy-access balance, so money earns without waiting on a cycle.
- Transfers are free within a monthly allowance, with the fee set at IDR 0.
- Payouts reach a bank account, cash pickup or a wallet: bank, cash pickup and wallet.
Cons
- The headline rate ranks 184 of 473 compared brands, so rate is not the reason to choose it.
- Support runs on help centre alone, so questions have no phone or live chat route listed.
- The rate is variable rather than fixed, so the 3.5% headline can move and returns are not locked in.
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.
SeaBank Indonesia
Who it suits
- Indonesian business owners who want a plain savings balance for day to day cash, with the fee at IDR 0
- Students starting to save who want easy access and interest credited every day
- Anyone who takes payouts to a bank account, cash pickup or a wallet, as bank, cash pickup and wallet allows
Who should look elsewhere
- Plazo ES, which lists a headline rate of 24.19%, far above 3.5% here
- AXI Card, where 21.59% applies to a card offer rather than a savings balance
- PayPal Colombia, which reaches saving through a wallet at 3.3% instead of a bank savings 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
Country by country
| Country | N26 | SeaBank Indonesia |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Greece | 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.
SeaBank Indonesia
What does the account cost to run?+
The account carries a monthly fee of IDR 0, in line with the site median, €0. Transfers are free within a monthly allowance, and the transfer fee is set at IDR 0, so there is little to pay for everyday use.
How is interest paid on the balance?+
Interest is calculated and paid every day rather than at the end of a cycle. The account is easy-access, so money stays reachable while it earns, and the rate is variable at 3.5%. The savings account median, 3.08%, is close by.
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Related by the facts
N26
SeaBank Indonesia