N26 vs Starling Bank - VaultCue
VaultCue

Neobank comparison

N26 vs Starling Bank

Compare N26 and Starling Bank side by side: fees, regulation, platforms.

N26

N26

Best for the eurozone

N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for p…

VS
Starling Bank

Starling Bank

Best for business banking

Starling is the most complete UK bank account on this list: free abroad, FSCS protected, and with a business …

Head-to-head comparison

N26 vs Starling Bank
Feature N26 Starling Bank
Monthly fee Free Free
FX markup 0% 0%
Savings APY 2.74% 3.25%
Currencies 1 3
Card network Mastercard Mastercard
Deposit protection German deposit guarantee (EdB) up to 100,000 EUR FSCS up to 85,000 GBP
Regulators - -
Best for Best for the eurozone Best for business banking
Markets & account

Pros & cons

N26

N26

Pros

  • Full German banking licence with 100,000 EUR deposit protection
  • No card FX fee at the Mastercard rate
  • Instant savings paying interest from the first euro

Cons

  • Euro-only balance, so no true multi-currency holding
  • Only a few free ATM withdrawals per month on the free plan
Starling Bank

Starling Bank

Pros

  • FSCS-protected UK bank with no fees abroad at all
  • Genuinely strong free business account
  • Interest paid on the current-account balance

Cons

  • Limited multi-currency holding beyond GBP, EUR and USD
  • No cash-back or rewards programme
N26

N26

N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for people who live and earn in euros.

Confirm current fees and rates on the provider's site. T&Cs apply.

Starling Bank

Starling Bank

Starling is the most complete UK bank account on this list: free abroad, FSCS protected, and with a business account that punches far above its price.

Confirm current fees and rates on the provider's site. T&Cs apply.

Not the right match?

Line up any two accounts side by side, or browse the full list to find your next platform.