Hype vs N26 : Which one is better for your business?

Business accounts are essential for companies and freelancers, providing tools to manage finances efficiently. We'll compare Hype and N26 to determine the best option by evaluating their costs, features, and usability. This comparison will help you choose the most suitable account for your business needs.

A quick overview on Hype and N26

What is Hype?

HYPE provides online banking solutions for both private individuals and businesses, with a focus on simplifying financial management. HYPE Business is tailored for individual companies and freelancers with a VAT number, offering unique features like free instant transfers, a Tax Manager tool, and global free withdrawals. The service also includes a premium World Elite Mastercard and 7/7 technical support via multiple channels.

What is N26?

N26 is a mobile banking service that offers a range of personal and business accounts, including Standard, Smart, You, and Metal, each with unique features. The platform is entirely app-based, providing services like free ATM withdrawals, 24/7 chat support, and investment options in stocks, ETFs, and cryptocurrencies. N26 stands out with its instant account setup, no hidden fees, and advanced security features like biometric authentication and 3D Secure.

Features of Hype and N26

Hype features

Hype offers a range of unique features that cater to the needs of individual companies and freelancers with a VAT number:

• Free Ordinary and Instant Transfers: Enjoy the convenience of making both ordinary and instant transfers without any fees, helping you manage your finances more efficiently.
• Simplified and Free F24 Payments: Easily handle your tax obligations with simplified and free F24 payments, ensuring you stay compliant without the hassle.
• Tax Manager Tool: This feature helps you estimate and set aside taxes, providing better control over your tax deadlines and obligations.
• World Elite Mastercard: Access exclusive discounts and benefits with the premium World Elite Mastercard, enhancing your business spending power.
• 7/7 Technical Support: Receive comprehensive support via WhatsApp, email, and chat every day of the week, ensuring you have assistance whenever you need it.

N26 features

N26 offers a variety of unique features that cater to the needs of modern consumers looking for a comprehensive mobile banking experience:

• 100% Mobile Banking: Manage all your banking needs directly from your smartphone with N26's fully mobile platform, eliminating the need for physical branches.
• Virtual Mastercard: Enjoy unlimited card payments in any currency without foreign transaction fees, making it ideal for frequent travelers and online shoppers.
• Free ATM Withdrawals: Benefit from free ATM withdrawals in euros within the eurozone and unlimited free withdrawals abroad with certain plans, providing flexibility and cost savings.
• Instant Savings Account: Access a savings account with flexible access and competitive interest rates, allowing you to grow your savings effortlessly.
• Investment Options: Invest in stocks, ETFs, and cryptocurrencies directly from the app, offering a seamless way to diversify your financial portfolio.

Comparing Hype, N26 and OneSafe's features

Why choose one over the other?

• Why Choose Hype Over N26: Hype offers unique features like free F24 payments and a Tax Manager tool, which are particularly beneficial for freelancers and small business owners managing their taxes. Additionally, Hype's ability to waive the monthly fee by making transactions totaling at least €750 per month can lead to significant cost savings compared to N26's fee structure.
• Why Choose N26 Over Hype: N26 provides a more comprehensive mobile banking experience with features like a virtual Mastercard and investment options in stocks, ETFs, and cryptocurrencies. The 24/7 chat support available in five languages and the lack of foreign transaction fees make N26 a more versatile option for international users and frequent travelers.

Considering OneSafe vs Hype and N26

• Why Choose OneSafe Over Hype and N26: OneSafe offers seamless global payments and instant crypto to fiat conversions, making it uniquely suited for businesses involved in Web3 and cryptocurrency. Unlike Hype and N26, OneSafe provides multi-currency support and corporate cards with spend limits, ensuring comprehensive financial management for global operations.

What are the customers saying?

Hype reviews

Users have mixed opinions about Hype. While some appreciate its ease of use and intuitive interface, others are frustrated with account blocks and poor customer service. The overall sentiment is divided, with many negative reviews highlighting issues with account management and customer support. The overall rating for Hype is 2.9 out of 5.

• "I received my first transfer to my Hype account and only then found out that my account had been blocked. It is not clear from mobile banking, and I did not even receive an email from Hype that my bank account is blocked. Now my money is blocked in my Hype account, and I do not know how long I have to wait until it is returned to me. Worst experience." - Paola Maffei
• "It's been more than two months that I have a problem. I contacted customer service, and nobody answers. One of the worst services." - Luca Ciurleo

For more detailed reviews, visit HYPE Reviews.

N26 reviews

Users have mixed opinions about N26. Some appreciate its user-friendly interface, quick account setup, and reliable service for international transactions. However, others are frustrated with poor customer service response times and technical issues, such as difficulties accessing accounts after losing a phone.

The overall rating for N26 is 3.7 out of 5.

• "I was quite happy with N26 a few years ago, but it went downhill. I have lost my phone and it is impossible to log in to my account, because the only 2 options are to confirm with my phone or with my phone number, which I both don't have anymore." - Amber
• "N26 is one of the best online banks. Many of its features have been adopted by mainstream banks in Greece as part of their effort to digitalise. The reason I am not giving a five star is that N26 plans could be more economical or even have more features." - Spiros Fotis

For more detailed reviews, visit N26 Reviews.

OneSafereviews

Users have expressed high satisfaction with OneSafe, particularly praising its customer support and the seamless integration of its services into their business operations. The overall rating for OneSafe is 4.8 out of 5.

Customers have found several features particularly useful:

• OneSafe's customer support is frequently highlighted as exceptional, with users noting the team's responsiveness and reliability.
• The platform's ability to handle complex financial tasks, such as payroll and expense management, has been a game-changer for many businesses.

• "OneSafe has the best customer support I've ever experienced from a bank." - Amit Chu, Investments @ Celo Foundation
• "OneSafe is a game-changer. They solve so many headaches for our company. Finally, a banking solution that gets it." - Marco, CEO of Ensuro

For more detailed reviews, visit OneSafe Reviews.

Hype, N26, or OneSafe: Which is the best platform for you?

In conclusion, while Hype and N26 offer robust features tailored to different business needs, OneSafe stands out with its exceptional customer support and comprehensive financial management tools. Whether you're a freelancer, a small business owner, or a global enterprise, OneSafe provides a seamless and reliable banking experience. Any of these options could serve you well, but for a truly hassle-free and supportive service, we recommend giving OneSafe a try.