Wise vs N26 - Who is better? [UPDATED 2024]

When it comes to sending money across borders, we tested options like Wise and N26 have emerged as leading choices. Both Wise and N26 online platforms offer efficient and cost-effective and secure international money transfers from Wise and N26.

We compare Wise vs N26 into the unique features and benefits that distinguish Wise vs N26, empowering you to make an informed decision based on your specific transfer needs like Wise vs N26 fees, currencies available, available payment methods on Wise compared to N26, support options offered by Wise vs N26, speed and more.

Wise vs N26: Quick Feature Comparison

  1. Visit Wise alternative Wise Visit Wise

    Used By: 11000000
    Currencies Available: 54
    Transfer Fees: 0.5%-1%
    Payment Methods: Bank transfer, debit card, credit card, SOFORT transfer
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: US$1.00
    Max Transfer: US$1,000,000 (varies based on currency)
    Year Founded: 2011

  2. Visit Wise alternative N26 Visit N26

    Used By: 7,000,000
    Currencies Available: 54
    Transfer Fees: 0.5-3 EUR
    Payment Methods: Maestro and debit Mastercard, or use MoneyBeam to send funds to other N26 users. Add your debit Mastercard to Google Pay or Apple Pay for quick digital payments wherever you are.
    iOS App : yes, Android App : yes

    LiveChat: yes
    Min Transfer: none
    Max Transfer: 999999999 EUR (SEPA Credit Transfer), 100000 EUR (Sepa Instant Credit Transfer)
    Year Founded: 2013

Wise vs N26: Pros and Cons

Wise vs N26
Advantages

Wise Advantages N26 Advantages
  • Wise has been serving clients for over 13 years
  • Wise is well rated among clients.
  • Wise is available internationally.
  • Wise has multiple currency options.
  • Wise provides phone customer support.
  • Wise provides email customer support.
  • Wise is available to iOS Apple device users.
  • Wise is available to Android mobile device users.
  • N26 has been in operation for over 11 years.
  • N26 boasts a high rating for sending money.
  • N26 operates in numerous international countries.
  • N26 offers an extensive range of currency options for money transfers.
  • N26 provides phone support.
  • N26 offers registered customers email support.
  • N26 has a Apple iOS app on Apple app store.
  • N26 offers a Android Google Play Store mobile app.

Wise vs N26
Disadvantages

Wise Disadvantages N26 Disadvantages
  • Wise has no PayPal support.
  • Wise has no Neteller payments support.
  • Wise has no Skrill payment support.
  • Wise does have a mobile digital wallet like some others.
  • No home delivery with Wise.
  • No cash pickups with Wise.
  • No money order support with Wise.
  • No live chat support with Wise.
  • N26 has no PayPal option.
  • N26 has no Neteller option.
  • N26 has no Skrill option.
  • No digital wallets with N26.
  • No N26 home delivery.
  • No N26 Cash pickups.
  • No N26 money order option.
  • No N26 Livechat.

Wise vs N26 Fees and Other Costs

Fee type Wise Fees N26 Fees
Transfer Fees 0.5%-1% 0.5-3 EUR
Min Transfer US$1.00 none
Max Transfer US$1,000,000 (varies based on currency) 999999999 EUR (SEPA Credit Transfer), 100000 EUR (Sepa Instant Credit Transfer)
Payment Methods Bank transfer, debit card, credit card, SOFORT transfer Maestro and debit Mastercard, or use MoneyBeam to send funds to other N26 users. Add your debit Mastercard to Google Pay or Apple Pay for quick digital payments wherever you are.
Currencies AED, AUD, BGN, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, IDR, INR, JPY, MYR, NOK, NZD, PLN, RON, TRY, SEK, SGD, USD, ARS, BDT, BWP, CLP, CNY, COP, CRC, EGP, GEL, GHS, ILS, KES, KRW, LKR, MAD, MXN, NGN, NPR, PHP, PKR, RUB, THB, UAH, UGX, UYU, VND, XOF, ZAR, ZMW AED, AUD, BGN, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, IDR, INR, JPY, MYR, NOK, NZD, PLN, RON, TRY, SEK, SGD, USD, ARS, BDT, BWP, CLP, CNY, COP, CRC, EGP, GEL, GHS, ILS, KES, KRW, LKR, MAD, MXN, NGN, NPR, PHP, PKR, RUB, THB, UAH, UGX, UYU, VND, XOF, ZAR, ZMW

Wise vs N26 Restricted Countries

Wise Country Restrictions

North Korea

N26 Country Restrictions

Afghanistan, Aland Islands, American Samoa, Angola, Anguilla, Antarctica, Antigua and Barbuda, Barbados, Belize, Benin, Bhutan, Bonaire (including Sint Eustatius and Saba), Bouvet Island, British Indian Ocean Territory, Burkina Faso, Burundi, Cape Verde, Central African Republic, Chad, Cocos (Keeling) Islands, Comoros, Congo, Democratic Republic of, Congo, Republic of, Cook Islands, Crimea, Cuba, Curacao, Djibouti, Equatorial Guinea, Eritrea, Faroe Islands, Fiji, French Guyana, French Polynesia, French Southern Territories, Gabon, Gambia, Greenland, Grenada, Guadeloupe, Guinea, Guinea-Bissau, Guyana, Haiti, Heard Island and Mcdonald Islands, Holy See (Vatican City State), Iran, Iraq, Ivory Coast (Cote d'Ivoire), Japan, Kiribati, Kosovo, Kyrgyzstan, Lao People’s Democratic Republic, Lebanon, Liberia, Libya, Macao, Mali, Marshall Islands, Martinique, Mauritania, Mayotte, Micronesia, Federated States of, Montserrat, Myanmar, Namibia, Nauru, New Caledonia, Niger, Niue, Norfolk Island, North Korea, Northern Mariana Islands, Palau, Palestinian Territory, Papua New Guinea, Reunion, Pitcairn, Rwanda, Saint Barthelemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Saint Vincent and the Grenadines, Sao Tome e Principe, Seychelles, Sierra Leone, Sint Maarten, Solomon Islands, Somalia, South Georgia and the South Sandwich Islands, Sudan (North and South), Suriname, Svalbard and Jan Mayen, Syria, Tajikistan, Timor-Leste, Togo, Tokelau, Tonga, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Vanuatu, Venezuela, Wallis and Futuna, Western Sahara, Western Samoa, Yemen, Zimbabwe, Crimea, Cuba, Iran, Libya, North Korea, South Sudan, Sudan, Syria

Wise vs N26 Transfer Speeds

Transfer Speed Wise N26
Account Opening 1-3 days 1-3 days
Money Transfer Speed 1-10 days 1-10 days

Wise vs N26 Languages

Wise Supported Languages

English, French, German, Hungarian, Japanese, Polish, Portugese, Romanian, Russian, Spanish, Turkish

N26 Supported Languages

Wise vs N26 Verdict - Which is better?

Which is best out of Wise and N26 depends on your needs.

  • Wise vs N26 Transfer Fees: Transferring money with Wise costs 0.5%-1% while N26 charges 0.5-3 EUR.
  • Wise vs N26 Supported Currencies: Wise deals in over 1, where as N26 offers transactions in 1.
  • Wise vs N26 Payment Methods: Wise accepts Bank transfer, debit card, credit card, SOFORT transfer, while N26 allows transactions via Maestro and debit Mastercard, or use MoneyBeam to send funds to other N26 users. Add your debit Mastercard to Google Pay or Apple Pay for quick digital payments wherever you are..
  • Wise vs N26 Transfer Limits: Wise allows transfers between US$1.00 and US$1,000,000 (varies based on currency). N26's range is none to 999999999 EUR (SEPA Credit Transfer), 100000 EUR (Sepa Instant Credit Transfer).
  • Wise vs N26 Minimum Age for Account Creation: Wise requires users to be at least 18 years old, where as N26 has a minimum age requirement of 18.
  • Contact Number: You can reach Wise at 44 20 7033 0296 and N26 at 442035107126.
  • Wise vs N26 Countries of Operation: Wise operates in over 1 countries but has restrictions in over 1 countries. N26 serves 1 countries and restricts operations in 1 countries.
  • Wise vs N26 Client Base: Wise is used by 11,000,000, where as N26 serves 7.
  • Wise vs N26 Year Founded: Wise was established in 2011 and N26 began its operations in 2013.
  • Wise vs N26 Customer Rating: Wise holds a rating of 4, in contrast, N26 has a rating of 3.
  • Wise vs N26 Headquarters: Wise has its headquarters at London, UK, while N26 is based at Berlin, DE.
  • Wise vs N26 Employee Count: Wise employs 2,243 individuals, where as N26 has a team of 1,500.
  • Wise vs N26 Estimated Annual Turnover: Wise turnover stands at 27000000, while N26 boasts a turnover of 151500000.
  • Wise vs N26 Founder: Wise was founded by Venkatesh Saha, holding the position of CEO. On the other hand, N26 was the brainchild of Sergi Perez Lerin, currently holding the position of Head of SEO.
  • Wise vs N26 Supported Languages: Wise offers support in over 1 languages. N26 communicates in 1.

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Wise vs N26 Alternatives Guides

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Screenshots

Wise Screenshot

Wise Screenshot

N26 Screenshot

Wise Screenshot