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Updated September 29, 2026 · VaultCue Editorial Team

N26 vs Vivid Money

N26 scores 9.1 and Vivid Money 8.8 out of 10. Compare their differences and shared features below.
N26

N26

Higher score in this comparison

9.1/10
Visit
Vivid Money

Vivid Money

8.8/10
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What sets them apart

N26 vs Vivid Money
CompareN26N26ReviewVisitVisitVivid MoneyVivid MoneyReviewSee alternativesSee alternatives
Currency conversion fee0%Lower0.25%
Currenciesfrom 3522
Transfer feeFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers freeFree
Free ATM withdrawals€2Not 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 8.8.
  • Founded is lower at N26: 2013 vs 2019.
  • Vivid Money is licensed in 1 more country.
  • Currency conversion fee is lower at N26: 0% vs 0.25%.
  • Support channels: only N26 offers Email, Phone.
  • Pricing model: only N26 offers Low FX.
  • Features: only N26 offers Free ATM, 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

Vivid Money

Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.

Read the full Vivid Money review

Score breakdown

N26 vs Vivid Money
AreaN26Vivid Money
Cost9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels
Offer9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.9.1Interest pocket pays 3% on instant access balances with low entry threshold
Trust8.5Higher8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision

How they place

N26 vs Vivid Money
RankingN26Vivid Money
Savings accounts22 of 1420496 of 1420
Online banks9 of 402155 of 402

Every fact side by side

N26 vs Vivid Money
FactN26Vivid Money
AudienceExpats, Travelers, Student, TeenNot confirmed
Pricing modelNo monthly fee, Low FXCovers moreNo monthly fee
FeaturesFree ATM, Joint account, Digital onlyCovers moreDigital only
Legal entityN26 Bank SEVivid Money B.V.
HeadquartersGermanyNetherlands
Founded2013Lower2019
Support channelsEmail, Chat, Phone, Help centreCovers moreChat, Help centre

Savings

N26 vs Vivid Money
FactN26Vivid Money
Headline rate0.3% to 1.5%3%Higher
Rate typeVariableFixed
Minimum depositNot confirmed€0.010
Access terms100% flexible: deposit and withdraw any amount, whenever you wantInstant access
Account kindEasy accessEasy access
RegulatorsNot confirmedCommission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM)

Money transfer

N26 vs Vivid Money
FactN26Vivid Money
Exchange rate markup0%Not confirmed
Delivery timeInstant to 1 business dayNot confirmed
Payout methodsBank, CardNot confirmed
Fee to send 1,000€0Not confirmed

Where each stands against the rest

N26 vs Vivid Money
FactN26Vivid MoneyMedian
Monthly fee€0at the median€0at the median€0
Currency conversion fee0%below the median0.25%below the median0.5%
Currenciesfrom 35highest quarter22highest quarter5
Free ATM withdrawals€2above the medianNot 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.

Vivid Money

Pros

  • Transfers cost free, which keeps routine euro moves easy to budget
  • Supports 22 currencies and issues IBAN for getting paid across borders
  • Savings start from €0.01 with withdrawals under Instant access for flexible access

Cons

  • Support runs on chat and help centre only, so callers must use chat or articles
  • Account is digital only through digital only, with no branch option for cash service

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.

Vivid Money

Who it suits

  • Travellers and expats holding balances across currencies
  • Flexible savers wanting instant access pockets in the same app
  • App led users happy with chat based service

Who should look elsewhere

  • Consider bunq if conversion cost matters most and you want to compare against 3%
  • Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
  • Consider eToro if trading features matter and you want to compare upkeep against £0

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

N26 vs Vivid Money
CountryN26Vivid Money
AustriaYesNo
BelgiumYesNo
DenmarkYesNo
EstoniaYesNo
FinlandYesNo
FranceYesNo
GermanyYesNo
GreeceYesNo

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.

Vivid Money

What does Vivid Money charge for the account+

The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.

How many currencies can you hold+

Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.

Other options to compare

N26

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Vivid Money

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