Neobank comparison
Compare N26 and Varo Bank side by side: fees, regulation, platforms.
Best for the eurozone
N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for p…
Best US high-yield neobank
Varo is the rare US neobank that holds its own national bank charter, so deposits are directly FDIC insured w…
| Feature | N26 | Varo Bank |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 2.74% | 5% |
| Currencies | 1 | 1 |
| Card network | Mastercard | Visa |
| Deposit protection | German deposit guarantee (EdB) up to 100,000 EUR | FDIC up to 250,000 USD (Varo Bank, N.A.) |
| Regulators | - | - |
| Best for | Best for the eurozone | Best US high-yield neobank |
| Markets & account | ||
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.
Varo Bank
Varo is the rare US neobank that holds its own national bank charter, so deposits are directly FDIC insured while the savings rate stays at the top of the table.
Confirm current fees and rates on the provider's site. T&Cs apply.
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