Google Wallet vs N26
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Google Wallet | N26 |
|---|---|---|
| Оценка | 4.3 / 5 | 4.0 / 5 |
| Лучше всего для | Contactless payments & passes on Android | Everyday banking in the Eurozone |
| Ежемесячная комиссия | Free | Free → €16.90/mo (Metal) |
| Курс обмена | Uses your card's FX terms | Mid-market on card payments |
| Отправка / получение | No Google fee; send money only in India and Singapore | Free SEPA transfers in EUR |
| Выводы средств | N/A | Limited free EUR; foreign ATM fee on free plan |
| Карта | No standalone card; stores cards, passes & tickets | Yes — debit Mastercard; stainless on Metal |
| Доступность | Countries on Google supported-countries list; tap to pay varies by country | ~24 European markets |
| Валюты | Local card currency | EUR account; spends worldwide at mid-market |
| Регулирование | Rides card networks; licences by region | BaFin / German full banking licence (ECB) |
| Основан | 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.
Плюсы
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- 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.
Плюсы
- Full German banking licence, €100k protection
- No FX markup on card spending
- Clean, well-designed mobile app
Минусы
- EUR-only account; not truly multi-currency
- Available only in select European markets
- ATM withdrawal limits/fees on free plan
Итог
В целом Google Wallet выходит вперёд с оценкой 4.3 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.