While N26 provides a mobile-first banking platform, some users report issues with customer support and account management, leading them to look for other providers. This article will cover what N26 is, examine the reasons you might seek an alternative, and explore other options for banking and global payments that could better suit your needs.
What is N26?
N26 is a German fintech company founded in 2013 that offers a fully mobile banking experience. It provides users with real-time banking, a user-friendly app, and innovative tools for managing spending and savings.
The company offers several account plans, from a free standard option with a virtual card to premium tiers with added benefits. These paid plans can include features like sub-accounts for saving, travel insurance, and priority customer support.
What to Consider When Selecting a N26 Alternative?
When searching for an alternative to N26, it's helpful to evaluate providers based on your specific financial needs. Here are some key factors to consider:
- Account Type: Determine if you need an account for personal use, freelancing, or a larger business, as platforms often specialize in one area.
- Fee Structure: Look beyond the monthly subscription to understand the full cost, including transaction fees, currency conversion rates, and card charges.
- Customer Support: Evaluate the quality and accessibility of customer service, as responsive support can be vital for resolving account issues quickly.
- Global Capabilities: Consider whether you require multi-currency accounts and efficient, low-cost international payment options for operating globally.
- Specialized Features: Identify if you need specific tools like crypto-to-fiat conversions, automated tax calculations, or advanced expense management integrations.
If these points resonate with your priorities, the following section explores several alternatives that might be a better fit for you.
10 Best Alternatives to N26
1. OneSafe
OneSafe is a finance platform designed to modernize banking for businesses, particularly those operating in the Web3 and crypto sectors. We provide the essential tools for effortless fund management, quick payments, and access to both traditional and digital assets.
Our platform enables a direct 1:1 conversion from USD to USDC on Polygon, simplifying payroll and expense management for global teams. We also provide end-to-end expense management, streamlined onboarding, and responsive customer support tailored for businesses in the digital asset space.
Pricing
Here's our pricing at a glance:
- $0 Account & Card Fees: We provide free account opening and maintenance, no monthly subscriptions, and complimentary virtual and physical cards.
- 0.1% US Domestic Transfers: A low fee applies to all US domestic ACH and wire transactions.
- From 0.2% International Payments: SEPA payments are 0.2%, while international wires are 0.2% plus a $50 SWIFT fee.
- 0.1% USDT Transactions: All USDT transactions come with a straightforward 0.1% fee, and fiat-to-crypto conversions are included at market rates.
- $25 Flat-Fee Fedwire: US domestic wire transfers via Fedwire are charged a simple flat rate for your convenience.
Reviews
Users consistently praise our platform for its exceptional customer support and for providing an intuitive banking solution that understands and solves the unique challenges faced by modern 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
Want to see how we can help? Check us out here.
2. Fiducial Banque
Fiducial Banque is an online banking institution established in 2014, serving professionals, small to medium-sized enterprises, and associations. It operates as a subsidiary of the Fiducial Group, which has a long history of providing business support services.
Clients are assigned a dedicated advisor and can manage their accounts online at any time through a digital system. The bank also provides financing options such as business loans and leasing to aid in business development.
Pricing
Here's their pricing at a glance:
- €12/month (excl. tax) PRO Base: Includes a professional current account, a dedicated advisor, online banking access, a Visa Business debit card, and unlimited SEPA transactions.
- €25/month (excl. tax) PRO Plus: Offers all PRO Base services, plus the ability to accept card payments, additional card options like a Visa Premier, and checkbooks.
- €45/month (excl. tax) PRO Excellence: Provides all PRO Plus features, with the addition of unlimited account movement commissions, one free cash deposit per month, and a deferred debit Visa Premier card.
Reviews
Customer feedback indicates challenges with the service, specifically regarding delays in support and technical issues with the mobile app and online system. Check out more Fiducial Banque reviews here.
3. Soldo
Soldo is a spend management platform designed to help businesses control their expenses. It provides a system that combines an application with various payment methods to manage decentralized spending.
The platform offers real-time monitoring of multi-currency expenses and allows for customizable user roles. It also integrates with accounting software like Xero, which can help reduce administrative tasks.
Pricing
Soldo has a tiered pricing structure, but the company does not disclose specific costs publicly. To obtain detailed pricing information, interested parties must contact Soldo directly.
Reviews
User reviews indicate varied experiences, with some customers reporting issues like login problems and account closure difficulties, alongside mixed feedback on customer support. Check out more Soldo reviews here.
4. Niural
Niural is an AI-powered global Professional Employer Organization (PEO) and B2B payments platform that operates in the United States and over 150 countries. It offers a suite of services that includes US and international payroll, PEO services, benefits administration, and compliance management.
The platform uses artificial intelligence to automate complex HR and payroll tasks, which assists with compliance with local labor laws. This integration allows businesses to manage their workforce, from small teams to thousands of employees.
Pricing
Here's their pricing at a glance:
- $100/month + $20/employee/month US Payroll Basic: The starting rate for US payroll services.
- Custom Pricing US Payroll Plus: Includes multi-state payroll, custom pay schedules, and PTO tracking for a higher rate.
- $120/employee/month US PEO Basic: The starting rate for US PEO services, which includes HR and compliance support.
- Custom Pricing US PEO Plus: Adds features like mental health resources and COBRA administration for a higher rate.
- From $599/employee/month Employer of Record: The starting price for international services, with customized quotes available.
Reviews
User feedback often addresses the platform's efficiency with HR tasks and its interface. Some reviews mention occasional delays in customer support and the complexity of navigating its features. Check out more Niural reviews here.
5. Vivid Business
Vivid Business is a financial platform that provides services for personal, business, and freelance accounts. It is designed as an all-in-one solution for managing finances and offers various tools for this purpose.
The service allows users to manage multiple German IBANs and utilize both virtual and physical cards for transactions. It also includes features such as cashback rewards, interest on account balances, and access to investment opportunities.
Pricing
Here's their pricing at a glance:
- €0/month Free Start: Includes 12 accounts, 1 team member, an interest rate of 4% p.a. for the first four months, and 0.1% p.a. thereafter.
- €7/month Basic: Includes 15 accounts, 15 team members, an interest rate of 4% p.a. for the first four months, and 0.5% p.a. thereafter.
- €19/month Pro: Includes 20 accounts, 30 team members, an interest rate of 4% p.a. for the first four months, and 1.3% p.a. thereafter.
Reviews
While some users comment on the app's usability and features, others report issues with account access and funds being held. Check out more Vivid Business reviews here.
6. Moss
Moss is a technology-enabled expense and financial management solution designed to streamline company spending. The platform offers a suite of tools to help businesses control their financial workflows.
It provides both virtual and physical corporate cards with customizable limits and automates invoice processing for payments in over 70 currencies. Additionally, the system digitizes employee expense claims and connects with various accounting and ERP systems to help with financial reconciliation.
Pricing
Moss uses a modular pricing model with a base package and optional add-ons for more advanced features. Specific costs are not publicly available, and businesses must contact the company directly for a personalized quote.
Reviews
User feedback indicates some feature limitations and occasional slow response times from customer support. Some reviews also mention a lack of pricing transparency. Check out more Moss reviews here.
7. Multipass
Multipass is a UK-based financial technology company that provides businesses with multi-currency virtual International Bank Account Numbers (IBANs). It also offers local accounts in the EU, UK, and US, as well as corporate cards for daily expenses.
The platform enables businesses to send, receive, and exchange funds in over 70 currencies, providing local account access in the UK, Europe, and the USA. Additionally, clients are assigned dedicated relationship managers for account support.
Pricing
Here's their pricing at a glance:
- From £500 Onboarding: A fee for account opening and initial due diligence.
- From £100/month Maintenance: A monthly fee for account services.
- Variable Payment Fees: Charges apply to various local and international transactions, including SEPA, SWIFT, and ACH.
- Variable Card Fees: Costs are associated with the issuance, replacement, and use of both physical and virtual cards.
- Other Fees: Additional charges apply for services such as adding users, annual due diligence, and account closure.
Reviews
User reviews often comment on topics such as international payment processing, the platform's interface, and customer support. While a small percentage of reviews are negative, specific details about these experiences are not available. Check out more Multipass reviews here.
8. Finom
Finom is a European financial technology company established in 2019 that offers digital banking and financial management services for small to medium-sized enterprises and freelancers. The platform provides online account opening with local IBANs, invoicing, accounting integrations, and expense management tools.
The service issues free physical and unlimited virtual debit cards and offers up to 3% cashback on business purchases. It also supports multiple currencies and international payments to facilitate financial operations for businesses across Europe.
Pricing
Here's their pricing at a glance:
- Free Solo Plan: Includes one user, a personal IBAN, free physical VISA cards, and basic invoicing features.
- €9/month Start Plan: Includes two users, a personal IBAN, free physical VISA cards, and advanced invoicing features.
- €28/month Premium Plan: Offers five users, a personal IBAN, free physical VISA cards, and invoicing and accounting integrations.
- €149/month Corporate Plan: Provides ten users, a personal IBAN, free physical VISA cards, and advanced invoicing and accounting features.
- €339/month Enterprise Plan: Includes fifteen users, a personal IBAN, free physical VISA cards, and all features available in the Corporate Plan.
Reviews
User feedback often centers on the platform's interface and invoicing system, while some users report concerns with account management, transaction processing, and fees. Check out more Finom reviews here.
9. Kontist
Kontist is a German financial service provider that offers business banking solutions specifically for freelancers and the self-employed. The company provides a business account with a German IBAN and a physical Visa debit card for transactions.
Its platform includes automatic tax estimation, real-time tax calculation, and the ability to set aside funds for tax obligations. Paid plans introduce additional functionalities such as subaccounts for organizing funds and automated VAT returns.
Pricing
Here's their pricing at a glance:
- Free Business Account: Includes a German IBAN, a physical Visa debit card, and real-time tax estimation.
- €11/month + VAT Start Plan: Adds subaccounts and 30 SEPA transfers.
- €25/month + VAT Plus Plan: Includes VAT return and business evaluation.
Reviews
User feedback indicates some concerns regarding high fees for paid services, technical issues with the app, and the responsiveness of customer support. Check out more Kontist reviews here.
10. Mercury
Mercury is a financial technology company that provides online business banking services specifically for startups and small businesses. The platform is designed to offer a digital alternative to traditional banking for emerging companies.
It provides FDIC-insured checking and savings accounts, corporate cards, and integrated tools for managing finances like bill pay and invoicing. The service is available to U.S.-incorporated companies, allowing founders from various locations to open an account.
Pricing
Here's their pricing at a glance:
- Free Mercury Plan: Provides essential banking services, including checking and savings accounts, corporate cards, bill pay, invoicing, and reimbursements.
- $35 per month Mercury Plus: Includes all features of the Mercury Plan with additional reimbursements and invoicing capabilities.
- $350 per month Mercury Pro: Encompasses all features of Mercury Plus, adding advanced workflows and dedicated support.
- Custom Solutions: For businesses with balances exceeding $10 million, Mercury provides tailored pricing and plan options.
Reviews
User reviews mention a range of experiences, with some commentary on account management issues, customer support delays, and transaction processing times. Check out more Mercury reviews here.
Which One Should You Go With?
Finding the right N26 alternative depends on your unique business requirements, and we've covered some strong contenders. For businesses operating in the digital asset space, we recommend OneSafe for its specialized tools and dedicated support. Ready to experience a banking solution that gets it? Sign up for OneSafe today and see how we can help your business thrive.
