Revolut vs N26
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | N26 |
|---|---|---|
| Note | 4.4 / 5 | 4.0 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Everyday banking in the Eurozone |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free → €16.90/mo (Metal) |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | Mid-market on card payments |
| Envoyer / recevoir | Free between Revolut users | Free SEPA transfers in EUR |
| Retraits | Free up to a monthly limit, then ~2% | Limited free EUR; foreign ATM fee on free plan |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — debit Mastercard; stainless on Metal |
| Disponibilité | 40+ markets; cards usable in 160+ countries | ~24 European markets |
| Devises | 30+ in-app (spend in 120+) | EUR account; spends worldwide at mid-market |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | BaFin / German full banking licence (ECB) |
| Création | 2015 | 2013 |
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
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, Revolut prend l'avantage avec une note de 4.4 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.