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Updated September 29, 2026 · VaultCue Editorial Team

N26 vs Yape

N26 scores 9.1 and Yape 9.1 out of 10. Compare their differences and shared features below.
N26

N26

Higher score in this comparison

9.1/10
Visit
Yape

Yape

9.1/10
See alternatives

N26 vs Yape: the differences

N26 vs Yape
CompareN26N26ReviewVisitVisitYapeYapeReviewSee alternativesSee alternatives
Monthly fee€0PEN 0
Currenciesfrom 352
Transfer feeFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers freeFree (0) to send a Yape payment; remittance receiving also free
Deposit protectionEU DGS up to EUR 100,000Not confirmed
Local account detailsIBANNot confirmed
Free ATM withdrawals€2Not confirmed

Same on both: Currency conversion fee (0%).

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 is available in 20 more countries.
  • Support channels: only N26 offers Email, Chat, 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

Yape

Yape suits people in Peru who want a wallet for everyday payments and money sent home, not a multi-currency account. The monthly fee is PEN 0 and the currency conversion fee is 0%, so the cost is hard to argue with, but the offer is thin at 2 currencies.

Read the full Yape review

Score breakdown

N26 vs Yape
AreaN26Yape
Cost9.4Fees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.9.6HigherMonthly fee of PEN 0, a currency conversion fee of 0% and free transfers on a single-currency wallet.
Offer9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.8.3Covers 2 currencies, pays out to the wallet only and runs as a digital-only service.
Trust8.5Not confirmed

How they place

N26 vs Yape
RankingN26Yape
Money transfer services11 of 1564240 of 1564
Online banks9 of 40293 of 402

Every fact side by side

N26 vs Yape
FactN26Yape
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 SENot confirmed
HeadquartersGermanyNot confirmed
Founded2013Not confirmed
Support channelsEmail, Chat, Phone, Help centreCovers moreHelp centre

Savings

N26 vs Yape
FactN26Yape
Headline rate0.3% to 1.5%Not confirmed
Rate typeVariableNot confirmed
Access terms100% flexible: deposit and withdraw any amount, whenever you wantNot confirmed
Account kindEasy accessNot confirmed

Money transfer

N26 vs Yape
FactN26Yape
Exchange rate markup0%Not confirmed
Delivery timeInstant to 1 business dayInstant, credited directly to the Yape wallet
Payout methodsBank, CardWallet
Fee to send 1,000€0PEN 0

Where each stands against the rest

N26 vs Yape
FactN26YapeMedian
Currency conversion fee0%below the median0%below the median0.5%
Currenciesfrom 35highest quarter2lowest 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.

Yape

Pros

  • Monthly fee of PEN 0 on the everyday account
  • Currency conversion fee of 0%, top of the multi-currency table
  • Sending a Yape payment and receiving a remittance are both free

Cons

  • Only 2 currencies, near the bottom of the multi-currency table
  • Payouts run to the wallet only, so money cannot be withdrawn to a bank account
  • Support runs on help centre only, with no phone or email line

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.

Yape

Who it suits

  • People living in Peru paying everyday bills from a phone
  • Family members abroad sending remittances to a Yape wallet
  • Anyone who wants to receive money without opening a bank account

Who should look elsewhere

  • PayPal Colombia or Skrill if you hold money in several currencies
  • eToro if you want a card account that pays out to a bank
  • Anyone who needs help by phone, since support runs on help centre only

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

Yape

Current offer

  • Discount code

    Hasta 50% de descuento en electrodomésticos en Yape Tienda: Up to 50% off appliances

    Source, checked September 26, 2026

Country by country

N26 vs Yape
CountryN26Yape
AustriaYesNo
BelgiumYesNo
DenmarkYesNo
EstoniaYesNo
FinlandYesNo
FranceYesNo
GermanyYesNo
GreeceYesNo

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.

Yape

How much does a Yape account cost to keep?+

The monthly fee on the everyday account is PEN 0. Sending a Yape payment carries no charge, and receiving a remittance is free as well, so the everyday cost of running the wallet is close to nothing.

What does it cost to change currency in a Yape wallet?+

The currency conversion fee is 0%, which sits at the top of the multi-currency ranking. The catch is that Yape only holds 2 currencies, so a wider currency basket is not available here.

Other options to compare

N26

Visit

Yape

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