Updated October 17, 2026 · VaultCue Editorial Team
N26 vs Skrill Prepaid Mastercard
N26
Higher score in this comparison
Skrill Prepaid Mastercard
What sets them apart
| Compare | N26ReviewVisitVisit | Skrill Prepaid MastercardReviewVisitVisit |
|---|---|---|
| Currencies | from 35 | 40 |
| Transfer fee | Free: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free | Free |
| Monthly fee | €0 | Not confirmed |
| Licence type | Not confirmed | E money |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0% | 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 9.0.
- Founded is lower at Skrill Prepaid Mastercard: 2001 vs 2013.
- Support channels: only N26 offers Email.
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.
Skrill Prepaid Mastercard
For active online players and international senders backed by millions of customers since 2001, Skrill Prepaid Mastercard works differently from a standard bank linked card. It connects prepaid spending to a digital wallet covering online payments, bank transfers and over 40 cryptocurrencies.
Score breakdown
| Area | N26 | Skrill Prepaid Mastercard |
|---|---|---|
| Cost | 9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312. | 8.2 |
| Offer | 9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings. | 9.3 |
| Trust | 8.5 | 9.5Higher |
Positions in our rankings
| Ranking | N26 | Skrill Prepaid Mastercard |
|---|---|---|
| Money transfer services | 11 of 1564 | 5 of 1564 |
What we checked
N26
- n26.com: 14 facts, checked September 26, 2026
Skrill Prepaid Mastercard
- skrill.com: 4 facts, checked September 29, 2026
- euclid.eba.europa.eu: 1 fact, checked September 28, 2026
Every fact side by side
| Fact | N26 | Skrill Prepaid Mastercard |
|---|---|---|
| Audience | Expats, Travelers, Student, Teen | Not confirmed |
| Pricing model | No monthly fee, Low FX | Not confirmed |
| Features | Free ATM, Joint account, Digital only | Not confirmed |
| Legal entity | N26 Bank SE | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 2013 | 2001Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Chat, Help centre |
Savings
| Fact | N26 | Skrill Prepaid Mastercard |
|---|---|---|
| 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 | Skrill Prepaid Mastercard |
|---|---|---|
| Exchange rate markup | 0%Lower | 4.99% |
| Delivery time | Instant to 1 business day | Not confirmed |
| Payout methods | Bank, Card | Bank, Wallet, CardCovers more |
| Fee to send 1,000 | €0 | Not confirmed |
Where each stands against the rest
| Fact | N26 | Skrill Prepaid Mastercard | Median |
|---|---|---|---|
| Monthly fee | €0at the median | Not confirmed | €0 |
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | from 35highest quarter | 40highest quarter | 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.
Skrill Prepaid Mastercard
Pros
- Links prepaid card spending to a wallet used by millions
- Allows web payments without sharing bank details directly
- Supports over 40 cryptocurrencies alongside transfers abroad
Cons
- Focuses on online betting, gaming and transfers without branch access
- Requires managing a digital wallet before using prepaid card spending
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.
Skrill Prepaid Mastercard
Who it suits
- Players funding betting and gaming wallets
- Senders moving money to bank accounts abroad
- Holders following crypto and currency movements
Who should look elsewhere
- Seekers of in person branch banking
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 | Skrill Prepaid Mastercard |
|---|---|---|
| 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 21 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.
Skrill Prepaid Mastercard
What can the Skrill wallet do?+
Skrill wallet handles internet payments, international transfers and cryptocurrency activity in one place. It sends funds to a bank account and supports activity across over 40 cryptocurrencies. It aims to keep every payment quick and secure without sharing bank details.
Who uses Skrill?+
Skrill serves people who place bets, play games online or send money internationally. It describes its audience as money movers and makers who want flexible digital payments. It reports serving millions of customers since 2001.
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