You may already plan to go to a 100 % online bank, but you have never been able to make a choice among the many platforms.We have sifted through the strengths and weaknesses of the two most important players on the market in this versus in order to better guide you in your choice.
Let it be said, the neobancs have clearly taken room in the French banking landscape in recent years and their ascent is not about to stop.These new ways of thinking about the management of your agent is based on a 100 % mobile concept via a dedicated application unlike online banks which, even if they are fully dematerialized - or almost - still go through web desktop platforms.
We have therefore selected the two most important players in the sector in France, namely the German N26 and the British Revolut.But what is the best offer?This is what we will try to determine in this versus.
N26 and revolut offers in short
Découvrez les offres de la néobanque N26Découvrez les offres de la néobanque RevolutN26 vs Revolut: Account opening
The advantage of having a 100 % dematerialized bank is above all that the account creation process takes less time than a classic bank or some online banks.In addition, the elements requested and the input conditions are generally very reduced.
Registration at N26 is extremely simple and does not take more than 10 minutes, directly via the application.The only real condition for opening an account is to justify being at least 18 years old.After providing his identity papers by scanning his card or passport via the camera of his phone, then entered some usage information and the choice of his card, the account is validated directly without waiting for verification with the'Banking establishment - This stage sometimes takes more than a week in certain online banks.After 3 to 5 days, we receive the card (after having paid 10 euros for shipping costs) and it is directly ready to be used.It should be noted that N26 is accessible without initial deposit or income condition, it is even possible to create an account by being banned banking.
Revolut also relies on speed and simplicity of registration.In a few minutes, it is possible to fully create your account and get your card.Just provide a two -sided photo of your identity card, its shoals and a photo taken with the selfie device on your phone.You then have leisure to choose the card at your convenience.Revolut requests costs of 6 euros to receive your card, but this shipment is free for premium and metal levels.All within an announced period of 9 working days (sometimes less).
In both cases, the registration is fast and with disconcerting ease.N26 has a simpler registration process for him via its application, but sending the card is cheaper to Revolut.The sending of the latter varies depending on the periods and undoubtedly other independent factors, but overall we are on similar timings.
Winner: draw
Découvrez les offres de la néobanque N26Découvrez les offres de la néobanque Revolut
Also note that N26 as Revolut being foreign establishments, the Iban delivered following the creation of the accounts are also.N26 offers a German Iban, while that of Revolut is Lithuanian.This may have an impact on the payment of your energy or telecom monthly payments, where a French RIB is often compulsory.
N26 vs revolut: prices
Like most online banks, N26 offers prices on 3 levels corresponding to a type of card, price and services via MasterCard cards.The standard level is accessible for free, but it is a virtual card only usable from your phone and via NFC for contactless payment.The latter does not provide any insurance and withdrawals are limited to 3 free per month.
The Smart card is accessible for 4.90 euros per month and offers up to 5 free withdrawals per month in addition to other features.Finally, the Metal level offers the most complete service with up to 8 free withdrawals per month and especially a full travel/mobility insurance as well as a multitude of related services.You can refer to the N26 pricing grid in order to have all the elements at a glance.
In all cases, payments abroad are completely free and do not give rise to any additional costs.On the other hand, if you want to recharge your account instantly via the bank card from your main account, you can only do it for free once a month, then 3 % will be invoiced afterwards.
On the revolut side, several levels are also offered.The standard offer is free and offers payments at no cost as much as other cards.However, it is necessary to do with a virtual card and contactless payments via telephone.The "plus" offer at 2.99 euros monthly offers the same services, but with a physical card if you are not ready to go to the whole dematerialized.These last two cards, however, limit withdrawals to 200 euros maximum per month.
It is only from the Premium card (7.99 euros per month) that we can have access to higher services and protections and the metal card (13.99 euros per month) corresponds to the levelhigher with the maximum of options, protection and possible support.Another advantage from Revolut is the possibility of recharging your account for free.By connecting your main bank account to your revolut account, you can transfer money instantly and without additional costs.
Do not hesitate to consult the full price grid to get an idea.
Overall, even if the prices and options are similar between the two banks, Revolut still stands out thanks to its significantly lower prices and a little more numerous service, such as the opening of a junior account.
Winner: Revolut
Découvrez les offres de la néobanque RevolutN26 vs revolut: applications
N26 offers a very complete application, probably the best in its category.Everything has been controllable since the latter.In addition to taking a complete look at its accounts, the application makes a visual difference between its different levels of spending and back to school in order to distinguish everything very quickly.It is also possible to change your PIN code, to lock your card, to activate or not online payments, etc..
The application also allows the creation of virtual shoots in order to prepare a vacation or an important purchase.Finally, N26 cards are compatible with Google Pay and Apple Pay to pay with its smartphone or its connected watch on the compatible contactless terminals.We also note the fact that any transaction gives rise to a notification in real time.
For its part, the Revolut application is just as provided.It allows many of its card settings, such as defining a monthly expenditure limit or deactivating online payments.Other features are also available, such as the possibility of rounding up your purchases and placing the amount in excess as a tip in a dedicated piggy bank.The main page allows you to see your latest transactions at a glance, there is also a certain speed between the moment of expenditure and the display since the application, which is its importance on a daily basis.
A very practical feature is the creation of ephemeral virtual cards for unique purchases and avoid hacking as much as possible.Finally, the British neobank allows you to pay without contact via your smartphone with Apple Pay and Google Pay compatibility.
Difficult to designate a winner in the application part as the two neobanks offer solid services, which is an imperative for this type of product exclusively turned around the mobile.We have still noted greater ease and visibility in account management on the N26 side account, especially for a classic current account.We will still note revolut efforts to offer a more substantial and practical number of options than its competitor.It's up to you to see what best suits you.
Winner: draw
Découvrez les offres de la néobanque N26Découvrez les offres de la néobanque RevolutN26 vs Revolut: The cryptocurrency
How not to talk about the management of cryptocurrencies as the use of a neobank tends towards this type of philosophy 100 % digital.Most traditional banks block money transfers to Bitcoin or Altcoin type exchanges.They can even sometimes close your account in accordance with their CGU.Neobanques like N26 or Revolut are much more open on the subject and many are those which open an account exclusively for this type of use, yet still very limited.
On this point, N26 offers the minimum service by allowing transfers of funds to platforms like Coinbase, without fear of blocking, but in no way allows investment in cryptocurrencies.To do this, it will therefore be necessary to create an account on a dedicated online platform.
Revolut is much more complete on the subject and allows you to directly buy some different cryptocurrencies among the most popular such as Bitcoin, Ethereum or Litecoin.Note that you must have at least subscribed to a premium account (7.99 euros/month) to take advantage of it.On the other hand, no trading directly via the application, here again it will be necessary to go through an external service provider.
In both cases, it is unfortunately not possible to use your current account and therefore your card to send money to Coinbase.
Revolut being the most active neobank by default on this field, in particular because it allows the purchase of currencies unlike N26, it logically wins this duel.In any case, if you want to make investment and brokerage in cryptocurrency, we recommend much more the use of more complete applications like Binance, FTX or Degiro.
Winner: Revolut
Découvrez les offres de la néobanque RevolutVerdict
N26 and Revolut are both part of the best neobancs on the market today.In both cases, if you are rather mobile (especially internationally) and you like to keep a constant follow -up of your expenses, then the two offers will satisfy you.On an accounting plan, it is however revolut which is ahead of a short head, even by excluding the cryptocurrencies.The British neobank offers generally cheaper, more flexible prices and its application has many welcome options for those who like to manage their budget and its expenses entirely.
N26 puts on its simplicity with a more readable application and absent input conditions.Above all, it should be noted that the choice should be made according to your needs, your lifestyle and the overall management of your money.
Découvrez les offres de la néobanque N26Découvrez les offres de la néobanque RevolutThe best online banking of the moment
La meilleure banque en ligneHello Bank!
Discover the offer
Notre avis sur Hello Bank!
La banque la moins chèreBalance Bank
Discover the offer
Notre avis sur Balance Bank
La meilleure néobanqueOrange Bank
Discover the offer
Our opinion on Orange Bank
Voir toutes les banques en ligneTo follow us, we invite you to download our Android and iOS application.You can read our articles, files, and watch our latest YouTube videos.
Find all our banking comparisons
Medical deserts, public services: what assessment of Macron on rurality?
The best phones in 2021 for photos and video
What is the best Oppo smartphone to choose?
What is the best Xiaomi smartphone?