Top 10 Alternatives to N26

In this article, we will explore alternatives to N26, a mobile banking service known for its comprehensive financial offerings. N26 provides a range of services including personal and business accounts, virtual and physical cards, free ATM withdrawals, 24/7 chat support, and investment options. We'll delve into what N26 does and then present other banking options that might suit your needs.

Reviews

Users have shared a mix of positive and negative feedback about N26. Many appreciate the app's user-friendly interface and the convenience of managing finances without hidden fees. The 24/7 chat support and the ability to make free ATM withdrawals are also frequently praised. However, some users have expressed frustration with customer service response times and occasional issues with account verification. Overall, while the app's features are well-received, there are areas where users feel improvements are needed.

• "The app is incredibly intuitive and makes managing my finances a breeze." - John D.
• "Customer service can be slow, which is frustrating when you need quick assistance." - Sarah K.

For more detailed reviews, visit N26 Reviews.

Best alternatives to N26

1. OneSafe

OneSafe is a financial technology company offering a blend of traditional and Web3 financial services, tailored for global businesses. It provides comprehensive account services that integrate both fiat and cryptocurrency transactions seamlessly.

• Features: Simple onboarding, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security.
• Pricing: Free account opening, $0 minimum balance, no monthly fees, included corporate cards and invoices, 0.1% fee for US domestic payments, 0.2% fee for SEPA payments, 0.2% fee + $25 for international wires, $20 Fedwire fee, 1% FX fee on corporate cards, 0.1% fee for USDT transactions, included fiat to crypto conversion.
• Testimonials: Users praise OneSafe for its exceptional customer support and seamless financial operations. It has become an essential tool for many businesses, simplifying payroll and expense management. Source: OneSafe Testimonials.

2. Fiducial Banque

FIDUCIAL Banque offers an online banking service specifically designed for professionals, starting at 12€ HT/month. The service includes a dedicated advisor from the account opening, a wide range of banking services, and the convenience of managing accounts online 24/7. The bank has been recognized as the best online bank for professionals in 2024.

• Features: Dedicated advisor, banking license, comprehensive payment methods including CB, cheques, SEPA transfers, international transfers, and cash, full range of services including placements and financings, 24/7 availability of online client space and mobile app, transparent pricing, French origin, expert support from the FIDUCIAL Group.
• Pricing: The professional account starts at 12€ HT per month, emphasizing affordability and transparency with no hidden fees.
• Testimonials: Users generally appreciate the dedicated advisor and comprehensive services. One positive comment states, "I am personally very satisfied with this bank. It’s the only one that offers a dedicated advisor and provides credits." On the other hand, a negative comment mentions, "A group of scammers. Fabien Thomas, a dishonest and vicious salesperson who does not keep his commitments." Source: Fiducial Reviews.

3. Soldo

Soldo is a spend management platform that helps businesses manage and control their spending. It offers physical and virtual Mastercards, a management platform, a mobile app for tracking expenses and capturing receipts, and integrations with various financial systems. The platform is designed to boost business agility, empower employees to spend responsibly, and automate spend administration to free up time for more productive tasks.

• Unique Features: Pre-programmable and customizable cards, powerful expense management platform, integrations with financial systems like Xero and QuickBooks, enterprise-level security, automated spend administration, real-time insights, customizable solutions.
• Pricing: The Standard plan costs €21 per month (excluding 20% VAT) and includes 3 users and 20 cards. The Plus plan is priced at €33 per month (excluding 20% VAT) and includes 3 users and 30 cards. The Enterprise plan offers customizable solutions for large organizations, with pricing available upon request. Additional costs include issuance fees for physical and virtual cards, fees for additional users, and transaction fees.
• Testimonials: Users generally praise Soldo for its helpful customer service and ease of use. One positive comment states, "The most important thing for me is that if I am unsure of anything or having a senior moment the online advisors are always so helpful and explain things in a clear and easy to understand way." On the other hand, a negative comment mentions, "Our account was frozen and closed without any reasons. I believe Soldo has certain problems with the UK regulator right now. Please take into account this experience." Source: Trustpilot.

4. Niural

Niural is an all-in-one platform for modern US Payroll, PEO, Global EOR, Contractor management, and Bill Payments in over 150 countries. It is powered by an advanced AI model called NIURAL AI, which helps HR, finance, and operations teams handle complex compliance and business needs across different regions.

• Unique Features: Utilizes SuperAgents, specialized AI agents that go beyond regular AI capabilities to power the platform, facilitates hiring contractors in over 150 countries, ensuring compliance and mitigating misclassification risks, enables running different types of payroll in minutes, industry-leading onboarding time with a focus on compliance management, handles payroll tax calculations, remittance, and compliance for both US and global employees, combines contractor payments and payroll in one easy-to-use system, offers various pricing options tailored to different business needs, including services for Web3 payroll and enterprise solutions.
• Pricing: Niural offers a range of pricing plans to suit different business needs. The Employer of Record (EOR) plan starts at $499/month per employee, Niural Armor is priced at $299/month per contractor, and the Hire & Pay Contractors plan costs $49/month per contractor. Additional plans include the Basic Plan at $70/month + $5/month per employee, the Plus Plan at $100/month + $15/month per employee, and the Web3 Only Payroll plan at $19 per member/month + $100 platform fee. Custom pricing is available for the Enterprise Plan, while the PEO Basic and PEO Plus plans are priced at $59/month per employee and $99/month per employee (paid annually), respectively.
• Testimonials: Users generally appreciate Niural for its comprehensive features and ease of use. One positive comment states, "Niural has streamlined our global payroll process, making it incredibly efficient." On the other hand, a negative comment mentions, "The platform can be a bit overwhelming at first due to its extensive features." Source: Trustpilot.

5. Vivid Business

Vivid offers a comprehensive financial platform for companies and freelancers, featuring fast registration, German IBANs, instant transfers, and a suite of financial tools. The platform provides free accounts with up to 30 DE IBANs, integrations with accounting software, 5% p.a. interest on positive balances, cashback on purchases, and instant SEPA and SWIFT transfers.

• Unique Features: Free account with up to 30 DE IBANs, integrations with accounting software, 5% p.a. interest rate on positive balance, cashback on every purchase, instant SEPA and SWIFT transfers, free physical and virtual cards, team access with personalized permissions, mobile and web apps, security compliance with PCI DSS, 3D Secure, and GDPR.
• Pricing: Vivid offers various plans including Free Start (€0/month), Basic (€7/month), Pro (€19/month), Enterprise (€79/month), and Enterprise+ (€249/month). Each plan includes different features such as the number of team members, accounts, free SEPA transfers, cashback rates, and card spending limits. Additional fees may apply for extra accounts, team members, inactive cards, ATM withdrawals, and currency exchange.
• Testimonials: Users generally appreciate Vivid Business for its comprehensive features and ease of use. One positive comment states, "Great customer support, solved my issue immediately. My debit card was swallowed by an ATM, they reissued a new one free of charge." On the other hand, a negative comment mentions, "I’ve received my 1st transfer to my Vivid account and only then found out that my account had been blocked. It is not clear from mobile banking, I did not even receive an email from Vivid that my bank account is blocked." Source: Trustpilot.

6. Moss

Moss is a spend management solution that offers real-time tracking of budgets, employee card management, receipt management, and streamlined month-end closing processes. It aims to reduce paperwork, enhance control over spending, and improve reporting accuracy.

• Unique Features: Employee cards with adaptable limits and custom approval policies, effortless receipt capture via app or email integrations with compliance enforcement tools, real-time automatically categorized card spend with two-way accounting software integrations, achieve a 4.5x ROI, auto-correct expense report errors, increase finance team productivity, quicker reimbursements, annual savings per employee, end-to-end security, privacy by design, and compliance with GDPR and other regulations.
• Pricing: The Moss Starter Plan is free and includes up to 3 users, unlimited virtual debit cards, 1 physical card per user, web app & iOS & Android app access, and standard accounting integrations. Custom packages can be built with additional modules and add-ons, with a single platform fee regardless of the number of users and variable fees based on transaction volume.
• Testimonials: Users generally appreciate Moss for its efficiency and ease of use. One positive comment states, "Moss is a great financial tool for companies looking for an uncomplicated, straightforward solution with great customer support." On the other hand, a negative comment mentions, "It worked really well at first...until their recent make-over update. The website layout is no longer user-friendly, and customer care is unresponsive." Source: Trustpilot.

7. Multipass

MultiPass offers a business account service for global payments, featuring dedicated IBANs, competitive exchange rates for over 70 currencies, and personal account managers. It supports transactions in over 200 countries and provides local payment options in the UK, Europe, and the USA.

• Unique Features: Dedicated IBAN, payment card, bank-beating exchange rates for over 70 currencies, personal account manager, transactions in over 200 countries, local payment options in the UK, Europe, and the USA, bespoke business solutions like Virtual IBAN, Currency Exchange, Mass Payments, API Integration, and Business Cards, FCA authorization, safeguarded funds, recognized for innovation and excellence.
• Pricing: Onboarding fees start from £500, priority onboarding at £500, additional user fee £100, annual due diligence from £100. Monthly maintenance fee from £100, minimum balance requirement from 3 monthly fees, failure to meet minimum balance £100, account closure fee from 3 monthly fees. Local EU payments: €2 incoming, from 0.10% outgoing. Local UK payments: Free incoming, £1 outgoing. International SWIFT payments: £20/€25/$30 incoming, £40/€50/$60 outgoing. Plastic card issuance £10/€12, maintenance fee £10/€12, FX markup 1.5%, ATM withdrawal 1.5%.
• Testimonials: Users generally praise MultiPass for its exceptional support and reliable service. One positive comment states, "I would strongly recommend the Multipass solution for any business. I would especially like to commend their exceptional support team. In particular, I am grateful to Irina Parsina for her invaluable assistance. Her help has been truly outstanding and cannot be overstated." On the other hand, a negative comment mentions, "Don't use Multipass for transfers. They're not reliable or helpful. Find someone else you can trust. Save yourself the hassle and seek out more dependable partners." Source: Trustpilot.

8. Finom

Finom offers a business account with cashback, invoicing, and accounting tools. The account can be opened online and is designed for SMEs, freelancers, and companies under registration. Key features include a German IBAN within 24 hours, international payments, up to 3% cashback, and personal assistance within a minute.

• Unique Features: German IBAN in 24 hours, international payments, up to 3% cashback, personal assistance in 1 minute, tailored benefits for freelancers and businesses, simple invoicing, accounting software integrations, deposit insurance up to €100,000, high-level data security.
• Pricing: The Corporate Plan starts at €149 per month (paid monthly) or €119 per month (paid annually). The Enterprise Plan starts at €339 per month (paid monthly) or €249 per month (paid annually). Additional fees apply for extra team members, recognized documents, card issuance, ATM withdrawals, SEPA transfers, and international payments.
• Testimonials: Users generally appreciate Finom for its customer-friendly service and fast support. One positive comment states, "Very customer friendly, especially if you are expat in Germany and looking for modern bank, with very fast and helpful support (special thanks to Andrea) and more important - English speaking. I really glad that I chose Finom!" On the other hand, a negative comment mentions, "Crap company, asked to send a few documents, I did try everything then closed bank account, thanks ok coz I got another one with rebolut,and also they have roved me 18 euros. Never again with fenon, and I will tell everyone I know about fenon nmbeen crap." Source: Trustpilot.

9. Kontist

Kontist is a comprehensive business banking solution designed for self-employed individuals in Germany. It offers a business bank account integrated with automated bookkeeping and business tax return services, aiming to simplify financial management and provide a worry-free self-employment experience.

• Unique Features: All-in-one app combining banking, bookkeeping, and tax return services, automatic tax calculation, AI-supported bookkeeping, real-time financial insights, mobile & web banking, Visa Business Debit Card, integration with Apple Pay & Google Pay, invoicing tool, premium account features including profit & loss statements, VAT returns, and trade tax returns.
• Pricing: The Free Plan costs €0 per month plus VAT (with conditions), the Premium Plan is priced at €9 per month plus VAT, and the Bookkeeping Plan costs €29 per month plus VAT. Additional charges apply for transactions below €300 and SEPA transfers beyond the free limit.
• Testimonials: Users generally appreciate Kontist for its ease of use and helpful customer service. One positive comment states, "I have been with Kontist for over two years now. It is a very good service, any questions I have regarding taxes they answer quickly and professionally." On the other hand, a negative comment mentions, "Their tax service is extremely overpriced and totally not recommended! I made the mistake of using it for over 1 year as a new business owner and non-German speaker, and their service was minimal." Source: Trustpilot.

10. Mercury

Mercury is a financial technology company offering online business banking services designed to simplify financial workflows for startups. It provides a range of features including efficient banking management, seamless payment processing, early access to credit cards, comprehensive security measures, and advanced financial workflows like bill pay, invoicing, expense management, and accounting automations. Mercury also offers growth and expertise services such as Mercury Treasury, venture debt, and SAFE fundraising.

• Unique Features: Manage banking and financial operations from a single dashboard, seamless payment processing with auto-transfer rules and free USD wires, early access to credit cards with low deposit minimums and cashback on all spend, comprehensive security features including FDIC insurance, regulated partners, fraud monitoring, and account security, advanced financial workflows like AI-powered bill pay, seamless invoicing, tailored expense management, and accounting automations, growth services like Mercury Treasury, venture debt, and SAFE fundraising, community and expertise through Mercury Raise.
• Pricing: Mercury offers three pricing plans: the Mercury plan at $0 per month, the Mercury Plus plan at $35 per month, and the Mercury Pro plan at $350 per month. The Mercury plan includes essential business banking features, while the Plus and Pro plans offer enhanced billing, invoicing, and advanced workflows with dedicated support.
• Testimonials: Users generally appreciate Mercury for its user-friendly platform and responsive customer support. One positive comment states, "Simple and easy-to-use platform and great customer support. The UI is clean and intuitive, the fees are low, and the support very responsive." On the other hand, a negative comment mentions, "I had a terrible experience with Mercury Payment Provider. They closed my account without any prior notice and then instructed me to provide alternative bank account details for disbursement of my funds." Source: Trustpilot.

Which one should you go with?

In conclusion, while each of these financial platforms offers unique features and benefits tailored to different business needs, OneSafe stands out for its seamless integration of traditional and Web3 financial services, exceptional customer support, and comprehensive account services. Whether you're a freelancer, a startup, or a global enterprise, OneSafe provides a robust and user-friendly solution that can simplify your financial operations. While any of these options could be a good fit depending on your specific requirements, we recommend giving OneSafe a try if you're looking for a reliable and innovative alternative.