Neobanks · head to head
Wise Account vs N26 Standard
Every figure this site holds on both products, side by side. Of 6 published figures, 4 differ. Those rows carry a rule; the rest agree and are left quiet.
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| Figure | Wise Account | N26 Standard |
|---|---|---|
| FX cost on £1,500/mo | £3.60Calculated from attributes verified Sep 2026 | £0.00Calculated from attributes verified Sep 2026 |
| Conversion fee | 0.24%Verified against the source Sep 2026 | NoneVerified against the source Sep 2026 |
| Fee-free allowanceidentical | NoneVerified against the source Sep 2026 | NoneVerified against the source Sep 2026 |
| Currencies held | 40Verified 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 | £250/mo, then 2.69%Verified against the source Sep 2026 | 2 withdrawals/mo in euro; 1.7% outside the eurozoneVerified against the source Sep 2026 |
Wise
Wise Account
| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 3.80 | 1.71 |
| Currency coverage | 35% | 5.00 | 1.75 |
| Account fee | 20% | 5.00 | 1.00 |
| Total | 100% | 4.5 |
Excellent tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
Holds the widest set of currencies of any account here and charges a conversion fee from the first pound rather than capping a fee-free allowance — which makes it cheapest at high spend and beatable at low spend.
Who this suits
Holding balances in several currencies at once — 40 of them, the widest coverage here.
Who it doesn’t
Occasional low-value spending. The 0.24% conversion fee applies from the first pound, with no fee-free allowance to sit under.
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. "Wise Account vs N26 Standard: verified comparison." Rubric 2026.1. Verified Sep 2026. https://pointsarchitect.com/compare/wise-vs-n26
BibTeX
@misc{pointsarchitect-compare-wise-vs-n26,
title = {Wise Account vs N26 Standard: verified comparison},
author = {{Points Architect}},
year = {2026},
howpublished = {\url{https://pointsarchitect.com/compare/wise-vs-n26}},
note = {Verified Sep 2026; rubric 2026.1}
}Canonical URL https://pointsarchitect.com/compare/wise-vs-n26. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.