Guides · Updated 20 October 2026 · 2 min read
Neo banks in the eurozone: N26, bunq and Revolut compared
Three app-based banks open to residents across the EEA. Compare monthly plans, cards, spending abroad and deposit protection.
If you live in the European Economic Area, three licensed banks offer app-based current accounts across most member states: N26 (Germany), bunq (the Netherlands) and Revolut (Lithuania). All three protect eligible deposits up to €100,000. Their plans and strengths differ.
At a glance
| N26 | bunq | Revolut | |
|---|---|---|---|
| Licensed in | Germany (BaFin) | Netherlands (DNB) | Lithuania (Bank of Lithuania, licensed by the ECB) |
| Monthly plans | Standard €0 · Smart €4.90 · Go €9.90 · Metal €16.90 | Free €0 · Core €3.99 · Pro €9.99 · Elite €18.99 | Standard €0 · Plus €3.99 · Premium €9.99 · Metal €17.99 · Ultra €55 (Ireland) |
| Free plan card | Virtual card (physical card €10) | Digital card only | Physical and virtual |
| Card payments in other currencies | Free on all plans | No FX fee up to €1,000/year on Free; unlimited on paid plans | Weekday allowance on Standard, then fair-usage fee |
| Deposit protection | Up to €100,000 | Up to €100,000 | Up to €100,000 |
Prices from each provider's website in October 2026. Prices can differ by country.
N26
A straightforward current account with free card payments in foreign currencies on every plan, and Spaces sub-accounts for saving. The free Standard plan includes a virtual card; paid plans add a physical card, more free cash withdrawals and insurance.
bunq
Flexible plans with interest on savings on all plans, many sub-accounts (up to 25 on higher plans) and several cards. Students under 25 can get the Pro plan free. On the free plan you get a digital card only.
Revolut
The widest set of features: multi-currency spending and exchange, investments and travel extras, with a free Standard plan and several paid plans. Read Revolut vs Wise if international money is your priority.
What about Klarna?
Klarna, best known for pay-later shopping, is also a Swedish bank and offers a Klarna balance account with the Klarna Card in selected European countries. Note that pay-later products are credit, which is a different decision from choosing an everyday account.
How to choose
- Mostly spending abroad? N26's free foreign-currency payments or Revolut's exchange features.
- Saving and organising money? bunq's interest and sub-accounts.
- Want everything in one app? Revolut.
Check which providers accept customers in your country with the country selector, and read how to choose a neo bank.
This guide is general information, not financial advice. Fees, features and availability change, so check the provider's own website before you apply. Read how we compare providers and our affiliate disclosure.
