N26 vs Starling Bank
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | N26 | Starling Bank |
|---|---|---|
| Note | 4.0 / 5 | 4.5 / 5 |
| Idéal pour | Everyday banking in the Eurozone | Free UK personal and business banking |
| Frais mensuels | Free → €16.90/mo (Metal) | Free personal account |
| Taux de change | Mid-market on card payments | Mastercard rate, no markup |
| Envoyer / recevoir | Free SEPA transfers in EUR | Free UK transfers |
| Retraits | Limited free EUR; foreign ATM fee on free plan | Free in the UK and abroad |
| Carte | Yes — debit Mastercard; stainless on Metal | Yes — debit Mastercard |
| Disponibilité | ~24 European markets | United Kingdom |
| Devises | EUR account; spends worldwide at mid-market | GBP (EUR/USD business accounts) |
| Réglementation | BaFin / German full banking licence (ECB) | UK PRA/FCA full banking licence (FSCS protected) |
| Création | 2013 | 2014 |
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
Starling Bank
Starling Bank is a fully licensed UK app bank with FSCS-protected deposits, no fees on overseas spending or ATM withdrawals, interest on balances and highly regarded free business accounts. It is one of the strongest all-round UK options, especially for freelancers and small businesses, though it is UK-only and GBP-focused.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.