Neobanks · head to head
Revolut Standard vs N26 Standard
Every figure this site holds on both products, side by side. Of 6 published figures, 5 differ. Those rows carry a rule; the rest agree and are left quiet.
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| Figure | Revolut Standard | N26 Standard |
|---|---|---|
| FX cost on £1,500/mo | £5.00Calculated from attributes verified Sep 2026 | £0.00Calculated from attributes verified Sep 2026 |
| Conversion fee | 1.00%Verified against the source Sep 2026 | NoneVerified against the source Sep 2026 |
| Fee-free allowance | £1,000/moVerified against the source Sep 2026 | NoneVerified against the source Sep 2026 |
| Currencies held | 39Verified against the source Sep 2026 | 1Verified against the source Sep 2026 |
| Monthly feeidentical | FreeVerified against the source Sep 2026 | FreeVerified against the source Sep 2026 |
| Free ATM withdrawals | £200/mo or 5 withdrawals, then 2% (min £1)Verified against the source Sep 2026 | 2 withdrawals/mo in euro; 1.7% outside the eurozoneVerified against the source Sep 2026 |
Revolut
Revolut Standard
| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 3.33 | 1.50 |
| Currency coverage | 35% | 4.88 | 1.71 |
| Account fee | 20% | 5.00 | 1.00 |
| Total | 100% | 4.2 |
Strong tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
Free plan with interbank rates on the first £1,000 of exchange each month on weekdays, after which a 1% fee applies — strong for moderate spend, expensive past the allowance.
Who this suits
Spending under £1,000 a month abroad, which converts at no charge before the fee starts applying.
Who it doesn’t
No verified figure in this table counts against this product. We don't manufacture a drawback to balance the page.
N26
N26 Standard
| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 5.00 | 2.25 |
| Currency coverage | 35% | 0.13 | 0.04 |
| Account fee | 20% | 5.00 | 1.00 |
| Total | 100% | 3.3 |
Standard tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
A euro account, not a multi-currency one: card payments abroad carry no foreign transaction fee at all, but there is nothing to hold balances in beyond the euro, and it is open only to residents of its supported European countries.
Who this suits
Spending abroad at around £1,500 a month, where it costs £0.00 — the lowest here at that volume.
Who it doesn’t
No verified figure in this table counts against this product. We don't manufacture a drawback to balance the page.
Cite this pageplain text or BibTeX
Plain text
Points Architect. "Revolut Standard vs N26 Standard: verified comparison." Rubric 2026.1. Verified Sep 2026. https://pointsarchitect.com/compare/revolut-vs-n26
BibTeX
@misc{pointsarchitect-compare-revolut-vs-n26,
title = {Revolut Standard vs N26 Standard: verified comparison},
author = {{Points Architect}},
year = {2026},
howpublished = {\url{https://pointsarchitect.com/compare/revolut-vs-n26}},
note = {Verified Sep 2026; rubric 2026.1}
}Canonical URL https://pointsarchitect.com/compare/revolut-vs-n26. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.