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.
Updated on
| 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. |
4 reasons to switch
What you concretely gain by moving to NexEuro.
Frequently asked questions
Everything you need to know before switching.
No. NexEuro is a payment layer on top of SEPA Instant; your money stays in your bank account.
Yes, as long as the account is SEPA Instant compatible.
No, and that's deliberate: payment is made directly from account to account.
Ready to try the European alternative?
Download NexEuro and send your first instant payment in under 60 seconds.
Download NexEuroGo further with NexEuro
Discover the solutions, countries and use cases that N26 doesn't cover — or covers less well — than NexEuro.
See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.