Google Wallet vs N26
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Google Wallet | N26 |
|---|---|---|
| Note | 4.3 / 5 | 4.0 / 5 |
| Idéal pour | Contactless payments & passes on Android | Everyday banking in the Eurozone |
| Frais mensuels | Free | Free → €16.90/mo (Metal) |
| Taux de change | Uses your card's FX terms | Mid-market on card payments |
| Envoyer / recevoir | No Google fee; send money only in India and Singapore | Free SEPA transfers in EUR |
| Retraits | N/A | Limited free EUR; foreign ATM fee on free plan |
| Carte | No standalone card; stores cards, passes & tickets | Yes — debit Mastercard; stainless on Metal |
| Disponibilité | Countries on Google supported-countries list; tap to pay varies by country | ~24 European markets |
| Devises | Local card currency | EUR account; spends worldwide at mid-market |
| Réglementation | Rides card networks; licences by region | BaFin / German full banking licence (ECB) |
| Création | 2011 (Wallet rebrand 2022) | 2013 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Avantages
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Inconvénients
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
N26
N26 is a Berlin-based mobile bank with a full German banking licence and €100,000 deposit protection, offering a polished app and fee-free card spending at the mid-market rate. It is EUR-centric and limited to around two dozen European markets, so it is not a true multi-currency account. Best for clean everyday banking within the Eurozone.
Avantages
- Full German banking licence, €100k protection
- No FX markup on card spending
- Clean, well-designed mobile app
Inconvénients
- EUR-only account; not truly multi-currency
- Available only in select European markets
- ATM withdrawal limits/fees on free plan
En résumé
Globalement, Google Wallet prend l'avantage avec une note de 4.3 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.