DE · EUR
Germany digital banks
N26 is the German neobank the rest of Europe copied. Trade Republic, Tomorrow, and Vivid sit nearby. BaFin has a long memory for AML failures — N26’s onboarding freezes are part of that history. SEPA IBAN, Girocard vs Mastercard, and whether the deposit sits at a German bank or a foreign branch decide protection. We list the account-holding entity.
14Live on the desk
Regulator
BaFin and Bundesbank; ECB for significant banks
Deposit scheme
German statutory deposit guarantee up to €100,000 per depositor per bank
In this market
Licence still sits on the product| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Interactive Brokers | 8.6 | Greenwich, United States | No inactivity on many accounts | Institutional-grade FX; a reason people open it | 3.3M accounts | Broker-dealer / FCM | |
 Wise | 8.6 | London, United Kingdom | Free personal | Mid-market plus a transparent conversion fee — the category benchmark | 16M+ | EMI (personal) | |
 Revolut | 8.6 | London, United Kingdom | Free | Fair-usage weekday mid-market; weekend markup on Standard | 50M+ | UK bank (eligible customers) | |
 Kraken | 7.9 | San Francisco, United States | Maker-taker | Tight on majors vs retail Coinbase | 13M+ | US MSB + exchange | |
 N26 | 7.8 | Berlin, Germany | Free Standard | Free on You/Metal; Standard has a weekend/FX fee schedule | 8M+ | Credit institution (CRR bank) | |
 Qonto | 7.7 | Paris, France | Paid plans from a small monthly | SEPA is the home rail; FX on extras | 500k businesses | Payment institution / EMI-class | |
 bunq | 7.7 | Amsterdam, Netherlands | Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money) | Plan-dependent; competitive on higher tiers | 15M+ | Credit institution | |
 Exodus | 7.6 | Omaha, United States | Free wallet | Swap partner spread | 4M+ | See review | |
 Coinbase | 7.5 | San Francisco, United States | Free to hold | Spread on the retail app; Advanced is tighter | 100M+ | MSB + state money transmitter / trust | |
 MetaMask | 7.4 | New York, United States | Free | MetaMask Swaps aggregator fee | 100M+ | See review | |
 eToro | 7.4 | Tel Aviv / London, United Kingdom | No monthly | Conversion on non-USD deposits | 35M+ | Broker | |
 Crypto.com | 7.2 | Singapore, Singapore | Card tiers gated by CRO stake (terms change — verify) | FX on card + spread on crypto sell | 80M+ | Exchange + card programme by market | |
 Gnosis Pay | 6.9 | Lisbon / remote, Portugal | Low / usage-based | On-chain to Visa conversion | On-chain users | Crypto card + EMI stack | |
 Aion Bank | 6.9 | Brussels, Belgium | Subscription-style packs historically — confirm live UniCredit tariff | Bank tariff | Belgian digital-bank scale | Belgian credit institution (now UniCredit group) |
Closed in this market
Graveyard| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
| W1TTY | 5.2 | London, United Kingdom | — | — | Closed | EMI / payments |
Do not open. Full file sits in the graveyard.
Questions
Is an N26 account Einlagensicherung protected?+–
N26 Bank SE is a German bank. Eligible deposits are covered by the German statutory scheme up to €100,000. Confirm you hold the bank account product, not a partner brokerage sleeve.
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