N26
N26 Standard
Score
of 10rubric 2026.1
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01
Who this is for
The summary is editorial. The two lists beneath it are read from this product's verified attributes against the rest of its table, and change when a figure does.
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.
Calculated from attributes verified 16 Sep 2026
Who it doesn’t
No verified figure in this table counts against this product. We don't manufacture a drawback to balance the page.
02
The score, taken apart
Every criterion, its published weight, what it earned and what that contributed.
| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 10.00 | 4.50 |
| Currency coverage | 35% | 0.25 | 0.09 |
| Account fee | 20% | 10.00 | 2.00 |
| Total | 100% | 6.6 |
Standard tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
03
Every stored figure
One row per attribute, each with the source it was read from and the date it was read. Every row has its own anchor, so a single figure can be linked to directly — for example /neobanks/n26#monthly-fee-gbp.
| Attribute | Value | Source | Checked |
|---|---|---|---|
| Monthly fee | Free | n26.com | Verified against the source 16 Sep 2026 |
| conversion feeWhat a provider adds to the mid-market exchange rate when it converts your money, quoted as a percentage or in basis points. It is separate from any monthly account fee, and it is usually the reason two accounts with identical headline pricing cost different amounts to use. | None | n26.com | Verified against the source 16 Sep 2026 |
| fee-free allowanceA monthly amount a provider converts at no charge before its conversion fee starts applying. An allowance makes a headline rate of nothing true only up to a threshold, which is why this site compares a defined spending scenario rather than a headline rate. | None | n26.com | Verified against the source 16 Sep 2026 |
| Currencies held | 1 | n26.com | Verified against the source 16 Sep 2026 |
| Free ATM withdrawals | 2 withdrawals/mo in euro; 1.7% outside the eurozone | n26.com | Verified against the source 16 Sep 2026 |
04
Sources
Every figure checked on 16 Sep 2026.
Monthly fee · Conversion fee · Fee-free FX allowance · Free ATM withdrawals
Currencies held
05
Use this record
The figures above are meant to be quoted and checked, not just read.
Cite this pageplain text or BibTeX
Plain text
Points Architect. "N26 Standard: verified product record." Rubric 2026.1. Verified 16 Sep 2026. https://pointsarchitect.com/neobanks/n26
BibTeX
@misc{pointsarchitect-neobanks-n26,
title = {N26 Standard: verified product record},
author = {{Points Architect}},
year = {2026},
howpublished = {\url{https://pointsarchitect.com/neobanks/n26}},
note = {Verified 16 Sep 2026; rubric 2026.1}
}Canonical URL https://pointsarchitect.com/neobanks/n26. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.
06
Compared directly
Head-to-head pages exist only between products that both rank inside this vertical's top three.
Figures on this page are dated individually to the day each was checked against its source. Nothing here is an estimate, and the score is calculated from the attributes above rather than entered by hand. See methodology.