Top 10 Alternatives to N26

In this article, we will explore alternatives to N26, a digital bank that offers a comprehensive range of financial services through a mobile app. N26 is known for its user-friendly interface, free bank accounts, savings options, and investment opportunities, all designed to make banking simple and secure.

Reviews

Users have shared a mix of positive and negative feedback about N26. Many appreciate the user-friendly interface and the convenience of managing finances through a mobile app. The free bank account with no hidden fees and the virtual Mastercard are particularly praised. However, some users have expressed frustration with the limited availability of N26 in certain countries and the monthly fees associated with premium plans. Additionally, while the 24/7 chat support is generally seen as helpful, there have been complaints about the responsiveness and effectiveness of customer service.

• "The app is incredibly intuitive and makes managing my finances a breeze." - John D.
• "Customer service is slow and unhelpful, which is frustrating when you need urgent 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. It provides comprehensive account services tailored for companies that operate both in fiat and cryptocurrencies. The platform supports seamless integration of fiat and cryptocurrency transactions, making it ideal for modern financial operations.

• Simple onboarding, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security, quick onboarding.
• Account opening: Free, minimum balance: $0, monthly fees: None, corporate cards: Included, invoices: Included, US domestic payments: 0.1% fee, SEPA payments: 0.2% fee, international wires: 0.2% fee + $25 Swift, Fedwire: $20, FX fee on corporate cards: 1%, USDT transactions: 0.1% fee, fiat to crypto conversion: Included.
• Users rave about OneSafe's exceptional customer support and its ability to simplify complex financial tasks. Testimonials from industry leaders highlight its game-changing impact and seamless integration into business operations. For more details, visit the OneSafe website.

2. Fiducial Banque

FIDUCIAL Banque offers an online banking service specifically designed for professionals, including SMEs, entrepreneurs, and other professional entities. The service includes a dedicated advisor, a wide range of banking services, and competitive pricing starting at 12€ HT/month. The bank combines the benefits of traditional banking with the efficiency of online services, providing 24/7 access to accounts and a comprehensive suite of financial products.

• Features: Dedicated advisor, banking license from ACPR, comprehensive payment options (CB, cheques, SEPA transfers, international transfers, cash), complete range of services (placements, financings), 24/7 availability, transparent pricing, French origin, recognized as the best online bank for professionals in 2024.
• Pricing: The professional account is available starting at 12€ HT per month.
• Testimonials: Users have mixed feelings about FIDUCIAL Banque. One user praised the bank for its dedicated advisors and credit offerings, stating, "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, another user criticized the bank, calling it a "group of scammers" and highlighting issues with a specific employee. For more detailed reviews, visit the Fiducial Reviews page.

3. Soldo

Soldo is a spend management platform that provides physical and virtual Mastercards, a management platform, a mobile app, and integrations with financial systems. It aims to boost business agility and empower employees to spend responsibly while automating spend administration to free up time for more productive tasks.

• Features: Customizable cards, expense management platform, seamless integration with accounting software, real-time insights, high security compliance, significant ROI, quick payback period, automation of spend administration.
• Pricing:
  • Enterprise Plan: Customizable solution for large organizations. Contact Soldo for pricing details.
  • Plus Plan: €33 per month (excluding 20% VAT). Includes 3 users, 30 cards, advanced features, and a 30-day free trial.
  • Standard Plan: €21 per month (excluding 20% VAT). Includes 3 users, 20 cards, basic features, and a 30-day free trial.
  • Additional Fees: Physical cards (€5 issuance fee per card), virtual cards (€1 issuance fee per card), temporary virtual cards (€0.50 issuance fee per card), additional users (€7 per Standard user per month or €11 per Plus user per month), outbound bank transfers (€0.75 per transaction), FX fee (1%), ATM fee (1% with a minimum of €2).
• Testimonials:
  • Positive: "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. It has always been a pleasure contacting them." - Gina Ansell
  • Negative: "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. Unfortunately, we are preparing for court hearing." - Alexander Nosic
  For more detailed reviews, visit the Soldo Reviews page.

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 advanced AI technology, NIURAL AI, which helps HR, finance, and operations teams handle complex compliance and business needs across different regions.

• Features: NIURAL AI utilizes SuperAgents to manage complex compliance and business needs, facilitates hiring contractors in over 150 countries ensuring compliance and a clean employment audit trail, enables running different types of payroll in minutes, offers industry-leading onboarding time with a focus on compliance management, handles payroll tax calculations and compliance for both US and global contractors.
• Pricing: Employer of Record starts at $499/month per employee, Niural Armor at $299/month per contractor, Hire & Pay Contractors at $49/month per contractor, Basic Plan at $70/month + $5/month per employee, Plus Plan at $100/month + $15/month per employee, Web3 Only Payroll at $19 per member/month + $100 platform fee, Enterprise Plan with custom pricing based on volume, PEO Basic at $59/month per employee, PEO Plus at $99/month per employee (paid annually).
• Testimonials: Users have mixed feelings about Niural. One user praised the platform for its efficiency, stating, "Niural has significantly streamlined our payroll process, making it faster and more reliable." On the other hand, another user expressed dissatisfaction, saying, "The customer support is lacking, and it took too long to resolve our issues." For more detailed reviews, visit the Niural Reviews page.

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 includes free accounts with multiple IBANs, integrations with accounting software, high-interest rates on positive balances, cashback on purchases, and secure, compliant services.

• Unique Features: Free account with up to 30 DE IBANs, 5% p.a. interest on positive balances for the first 2 months (up to 3.5% thereafter), up to €150 cashback/month on selected categories, SWIFT and SEPA instant transfers, funds invested in AAA/Aaa rated Money Market Funds, compliance with PCI DSS, 3D Secure, and GDPR, sync with accounting software like DATEV, sevDesk, Commitly, and Puls Project, mobile and web apps for managing accounts and transactions, personalized permissions for team members, overseen by European financial authorities, protection against insolvency.
• Pricing:
  • Free Start: €0 per month, free of charge at all times.
  • Basic: €7 per month (excluding VAT), includes a 2-month free trial.
  • Pro: €19 per month (excluding VAT), includes a 2-month free trial.
  • Enterprise: €79 per month (excluding VAT), includes a 2-month free trial.
  • Enterprise+: €249 per month (excluding VAT), includes a 2-month free trial.
• Testimonials: Users have mixed feelings about Vivid Business. One user praised the platform, stating, "As a newcomer in Germany, I received a personal recommendation to open my account at VIVID. It’s been the best decision ever! I haven’t regretted a single day in the past two and a half years of being a part of it. Keep up the great work, guys!" On the other hand, another user expressed dissatisfaction, saying, "Vivid has terminated my account since October and they’re holding 6,700 Euros of my money! If you try to contact them they give the same copy-paste response for more than two weeks now, and my money is still stuck with them. My ticket number is: 112074." For more detailed reviews, visit the Vivid Reviews page.

6. Moss

Moss is a spend management solution designed to help companies control and optimize their spending. It offers real-time tracking of budgets, employee card management, receipt management, and streamlined month-end closing processes.

• Features: Employee cards with adaptable limits, custom approval policies, real-time oversight, easy receipt capture via app or auto-fetch through Gmail and Outlook integrations, compliance enforcement features, real-time view of card spend, automatic categorization, integration with leading accounting software, 4.5x ROI within 3 years, 47% increase in finance team productivity, €795 saving per employee annually, end-to-end security, GDPR compliance, regulated e-money products.
• Pricing: Moss offers a free Starter Plan that includes up to 3 users, unlimited virtual debit cards, 1 physical card per user, web and mobile app access, and standard accounting integrations. For more advanced needs, custom packages are available, which include corporate cards, employee reimbursements, accounts payable, and optional add-ons like advanced controlling, advanced accounting, procurement, and ERP integrations. Pricing is modular and based on selected spend modules, add-ons, and transaction volume.
• Testimonials: Users have mixed feelings about Moss. One user praised the platform, stating, "Moss is a great financial tool for companies looking for an uncomplicated, straightforward solution with great customer support." On the other hand, another user expressed dissatisfaction, saying, "It worked really well at first...until their recent make-over update. The website layout is no longer user-friendly, and the customer care team is unresponsive." For more detailed reviews, visit the Moss Reviews page.

7. Multipass

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

• Unique Features: Dedicated IBAN and payment card, competitive exchange rates for over 70 currencies, personal manager, global reach with transactions in over 200 countries, local payment options in the UK, Europe, and the USA, bespoke business solutions including Virtual IBAN, Currency Exchange, Mass Payments, API Integration, and Business Cards, regulatory compliance with FCA authorization, client testimonials highlighting efficiency and support.
• Pricing:
  • Onboarding Fees: Account opening and due diligence from £500, priority onboarding £500, additional user £100, annual due diligence from £100.
  • Maintenance Fees: Monthly maintenance fee from £100, minimum balance from 3 monthly fees, failure to meet minimum balance £100, failure to provide requested documents £500, account closure fee from 3 monthly fees.
  • Payments: Local EU (SEPA / SEPA Instant) incoming €2, outgoing from 0.10% (min €10); Local UK (Faster Payments) incoming free, outgoing £1; Local UK (BACS / CHAPS) £20 for both incoming and outgoing; Local US (ACH) from 0.15% (min $10) for both incoming and outgoing; Local US (Fedwire) from 0.10% (min $25) for both incoming and outgoing; International (SWIFT) incoming £20 / €25 / $30, outgoing £40 / €50 / $60; International & Local, other currencies free for both incoming and outgoing; Between MultiPass users free for both incoming and outgoing.
  • Card Fees: Plastic cards initial issuance & replacement £10 / €12, maintenance fee £10 / €12, in-store and online payments free, original credit transaction (Moneysend) £5 / €6, chargeback claim £50 / €60, FX markup 1.5%, delivery fees vary by region and speed, ATM withdrawal 1.5%, ATM balance inquiry & PIN change £5 / €6, card disposal and resending fees after failed delivery; Virtual cards initial issuance & replacement free, maintenance fee £10 / €12, online payments free, original credit transaction (Moneysend) £5 / €6, chargeback claim £50 / €60, FX markup 1.5%.
• Testimonials: Users generally have a positive sentiment towards MultiPass, praising its customer service, reliability, and efficiency. One user stated, "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 dissatisfied user mentioned, "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." For more detailed reviews, visit the MultiPass Reviews page.

8. Finom

Finom offers a business account with cashback, invoicing, and accounting tools, targeting SMEs, freelancers, and companies under registration. The service includes features like fast account setup, international payments, cashback, and personal assistance.

• Unique Features: German IBAN in 24 hours, international payments, up to 3% cashback on all expenses, personal assistance available within 1 minute, safe access for employees and accountants, reconciliation and money collection tools, analytic data reports and accounting software integrations, credit account with authorized funds for companies under registration, simple invoicing service that helps clients get paid 20% faster.
• Pricing:
  • Corporate Plan: From €149/month (paid monthly) or €119/month (paid annually), includes 10 users, 0.5% cashback on amounts over €1,000.
  • Enterprise Plan: From €339/month (paid monthly) or €249/month (paid annually), includes 15 users, 1% cashback on amounts over €1,000 (valid until 30.11.2024, except for Poland and Spain where the rate is 0.5%).
  • Additional Fees: €15/month for extra team members, €0 for physical and virtual VISA card issuance, 1% fee for card payments in non-EUR currencies, various fees for ATM withdrawals, SEPA transfers, and international payments.
• Testimonials: The general user sentiment towards Finom is predominantly positive, with many users praising the customer support and ease of use. One user stated, "Finally, a truly helpful support team! Every time I have a question, Mees is there to assist and always provides a satisfying answer. Great service!" However, some users have expressed dissatisfaction, such as one who mentioned, "Absolutely horrible company. They encouraged me to open a business account, but after a few transactions, they asked for personal data of people who made payments to me. They stole money and have no answer about this matter. Not recommended." For more detailed reviews, visit the Finom Reviews page.

9. Kontist

Kontist offers a business banking solution designed for self-employed individuals in Germany. It combines a business bank account with automated bookkeeping and business tax return services, all accessible through a single app. The service aims to simplify financial management, allowing users to focus on their business.

• Unique Features: Integrated banking and bookkeeping, automatic tax calculation, AI-supported bookkeeping, real-time financial insights, comprehensive tax services, mobile & web access, Visa Business Debit Card, compatibility with tax advisers.
• Pricing:
  • Free Plan: €0/month plus VAT, includes free virtual Visa Debit card, mobile & web banking app, 10 free transactions per month, and the ability to create 2 invoices per month.
  • Premium Plan: €9/month plus VAT, includes all Free plan features plus free virtual and physical Visa Debit card, automatic calculation of income tax & VAT, MT940 Datev export, unlimited invoices per month, and integration with external bookkeeping tools.
  • Bookkeeping Plan: €29/month plus VAT, includes all Premium plan features plus unlimited free transactions, advance VAT return, business evaluation, manually add external transactions, unlimited categorization of transactions with AI, and business assets handling.
• Testimonials: The general user sentiment towards Kontist is positive, with many users praising the service, user-friendliness, and customer support. One user stated, "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, another user expressed dissatisfaction, saying, "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." For more detailed reviews, visit the Kontist Reviews page.

10. Mercury

Mercury offers online business banking services designed to simplify financial workflows for startups. The platform provides a range of features including checking and savings accounts, credit cards, bill pay, invoicing, expense management, and accounting automations. Mercury emphasizes speed, efficiency, and security in managing financial operations from a single dashboard.

• Unique Features: Manage all banking tasks from a single dashboard, set auto-transfer rules, send free USD wires, unlimited 1.5% cashback on all spend, FDIC insurance, regulated partners, fraud monitoring, integrated bill pay, invoicing, expense management, accounting automations, Mercury Treasury, venture debt, SAFE creation, access to Mercury Raise.
• Pricing: Mercury: $0/month, Mercury Plus: $35/month, Mercury Pro: $350/month.
• Testimonials: Users generally appreciate Mercury's simplicity and powerful API. One user stated, "The application process was very simple and the approval came within 24 hours. I use Mercury for all my business endeavors." However, some users have faced issues, such as one who mentioned, "Mercury closed my account with funds inside and refuses to even respond to any of my emails." For more detailed reviews, visit the Mercury Reviews page.

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 fiat and cryptocurrency transactions, exceptional customer support, and comprehensive account services. Whether you're a startup, freelancer, or established business, OneSafe provides a robust and user-friendly solution that simplifies complex financial tasks. If you're exploring alternatives to N26, OneSafe is a highly recommended option that combines modern financial technology with traditional banking services, ensuring a smooth and efficient banking experience.