European alternative to N26:
NexEuro, free SEPA Instant.
The alternative to N26: keep your bank, gain free instant payments.
Why look for an alternative to N26?
N26 offers a full current account, but it means changing banks and depending on a Mastercard to pay. NexEuro plugs into your current bank and adds the instant payment layer by phone number.
N26 vs NexEuro
A point-by-point comparison to help you choose.
| Criterion | N26 | NexEuro |
|---|---|---|
| Changing banks | Opening a new account required. | None: your existing IBAN is enough. |
| Card | Payment via a Mastercard. | Account-to-account payment, no card network. |
| Sending to friends | Instant between N26 members, otherwise a standard transfer. | Instant to any compatible SEPA account. |
| Cost | Paid plans for advanced options. | Free between individuals. |
Updated on
4 reasons to switch
What you concretely gain by moving to NexEuro.
You keep your bank and your direct debits.
You send money with a simple phone number.
No dependence on an American card network.
No fees between individuals.
Frequently asked questions
Everything you need to know before switching.
Is NexEuro a bank?
Can I use NexEuro with an N26 account?
Is there a NexEuro card?
Ready to try the European alternative?
Download NexEuro and send your first instant payment in under 60 seconds.
Go further with NexEuro
Discover the solutions, countries and use cases that N26 doesn't cover — or covers less well — than NexEuro.
European payment solutions
SEPA Instant, acceptance, group pots → Pillar · Countries36 SEPA countries covered
France, Germany, Spain, Italy → Pillar · Use casesConcrete use cases
Restaurant, freelance, e-commerce →See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.
Other European alternatives to N26 and competitors
Compare NexEuro with other players: European alternatives, neobanks, wallets and payment processors.