The Best N26 Alternatives in the US

Andrei BerceaWritten by Andrei Bercea

- Oct 8, 2026

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Helping millions make smarter financial decisions since 2014
  • N26 is unavailable in the US.
  • Compare Cash App, Revolut, and Wise.
  • Check fees, protections, and best uses.

Compare 4 bank accounts - Comparison

4 Options listed77.3/100 Avg. Financer Score245 User reviews
Multi-functional account

Bank accounts

Cash App

30,317 customers chose this

Monthly fee$0
Withdrawal feesStandard transfers: Free (1-3 business days); instant transfers: 0.5%-1.75% ($0.25 minimum)
Apple PayYes
Google PayYes
Samsung PayYes
Cashback on PurchasesYes
Financer Score™Reviewed by 206 users
Pricing30
Customer Support40
Terms and Flexibility40
Customer Experience93

Identity

Account type
Current / checking account

Eligibility

Minimum age
18

Fees & rates

Monthly fee
$0
Minimum deposit
$0
Interest rate
3.25%
Withdrawal fees
Standard transfers: Free (1-3 business days); instant transfers: 0.5%-1.75% ($0.25 minimum)
ATM Fees
$2.50 per ATM withdrawal; free in-network withdrawals with Cash App Green
Overdraft Limit
$200

Features

Debit Card
Yes
Cashback on Purchases
Yes
Travel Insurance
No
Mobile Check Deposit
Yes
Bill Pay
Yes
Person to Person Payments
Yes
Contactless Payments
Yes
Open Banking Integration
No
Apple Pay
Yes
Google Pay
Yes
Samsung Pay
Yes
Airport Lounge Access
No
Concierge Service
No
Priority Service
Yes
Retail Discounts
Yes

Platforms & support

Mobile App
Yes
Web Banking
Yes
Live chat
Yes
24/7 Support
No
Branch Access
No
Video Banking
No

Additional fields

Recommended company
Yes
More about this company
Best international transfer costs

Bank accounts

Wise

137 customers chose this

Monthly fee$0
Withdrawal feesFree up to $250/month; then $1.95 + 1.95% per withdrawal
Apple PayYes
Google PayYes
Samsung PayYes
Cashback on PurchasesNo
Financer Score™Reviewed by 15 users
Pricing100
Customer Support100
Terms and Flexibility100
Customer Experience69

Identity

Account type
Current / checking account

Eligibility

Minimum age
18

Fees & rates

Monthly fee
$0
Minimum deposit
$0
Interest rate
3.14%
Withdrawal fees
Free up to $250/month; then $1.95 + 1.95% per withdrawal
ATM Fees
ATM operators may charge their own fees
Overdraft Limit
$0

Features

Debit Card
Yes
Cashback on Purchases
No
Travel Insurance
No
Mobile Check Deposit
No
Bill Pay
Yes
Person to Person Payments
Yes
Contactless Payments
Yes
Open Banking Integration
Yes
Apple Pay
Yes
Google Pay
Yes
Samsung Pay
Yes
Airport Lounge Access
No
Concierge Service
No
Priority Service
No
Retail Discounts
No

Platforms & support

Mobile App
Yes
Web Banking
Yes
Live chat
Yes
24/7 Support
Yes
Branch Access
No
Video Banking
No

Additional fields

Recommended company
Yes
More about this company
Popular choice in October

Bank accounts

Revolut

320 customers chose this

Monthly fee$0
Withdrawal feesIn-network: $0; out-of-network: up to 2%; third-party ATM fees may apply
Apple PayYes
Google PayYes
Samsung PayYes
Cashback on PurchasesYes
Financer Score™Reviewed by 24 users
Pricing80
Customer Support80
Terms and Flexibility60
Customer Experience82

Identity

Account type
Current / checking account

Eligibility

Minimum age
18

Fees & rates

Monthly fee
$0
Minimum deposit
$0
Interest rate
3.25%
Withdrawal fees
In-network: $0; out-of-network: up to 2%; third-party ATM fees may apply
ATM Fees
In-network: $0; out-of-network: up to 2%

Features

Debit Card
Yes
Cashback on Purchases
Yes
Travel Insurance
No
Mobile Check Deposit
No
Bill Pay
Yes
Person to Person Payments
Yes
Contactless Payments
Yes
Open Banking Integration
Yes
Apple Pay
Yes
Google Pay
Yes
Samsung Pay
Yes
Airport Lounge Access
No
Concierge Service
No
Priority Service
No
Retail Discounts
Yes

Platforms & support

Mobile App
Yes
Web Banking
Yes
Live chat
Yes
24/7 Support
No
Branch Access
No
Video Banking
No

Additional fields

Recommended company
No
More about this company

Bank accounts

Chime

39 customers chose this

Monthly fee$0
Withdrawal fees$0 in-network; $2.50 per out-of-network ATM or OTC withdrawal; operator fees may apply
Apple PayYes
Google PayYes
Samsung PayYes
Cashback on PurchasesYes

Identity

Account type
Current / checking account

Eligibility

Minimum age
18

Fees & rates

Monthly fee
$0
Minimum deposit
$0
Interest rate
0%
Withdrawal fees
$0 in-network; $2.50 per out-of-network ATM or OTC withdrawal; operator fees may apply
ATM Fees
$0 at 47,000+ in-network ATMs; $2.50 out of network; operator fees may apply

Features

Debit Card
Yes
Cashback on Purchases
Yes
Travel Insurance
No
Mobile Check Deposit
Yes
Bill Pay
Yes
Person to Person Payments
Yes
Contactless Payments
Yes
Open Banking Integration
No
Apple Pay
Yes
Google Pay
Yes
Samsung Pay
Yes
Airport Lounge Access
No
Concierge Service
No
Priority Service
No
Retail Discounts
No

Platforms & support

Mobile App
Yes
Web Banking
Yes
Live chat
Yes
24/7 Support
Yes
Branch Access
No
Video Banking
No

Additional fields

Recommended company
No

we can't guarantee the complete accuracy on a day-to-day

Filters

Account features

Payment wallets

Banking platforms

Premium perks

Support channels

Product Statistics

A complete breakdown of all data points across the products in this comparison to help you make the right decision.

Monthly fee
$0 - $0 ($0)
Minimum deposit
$0 - $0 ($0)
Debit Card
4 (100%)
Cashback on Purchases
3 (75%)
Mobile Check Deposit
2 (50%)
Bill Pay
4 (100%)
Person to Person Payments
4 (100%)
Contactless Payments
4 (100%)
Open Banking Integration
2 (50%)
Interest rate
0% - 3.25% (2.41%)
Apple Pay
4 (100%)
Google Pay
4 (100%)
Samsung Pay
4 (100%)
Mobile App
4 (100%)
Web Banking
4 (100%)
Overdraft Limit
$0 - $200 ($100)
Priority Service
1 (25%)
Retail Discounts
2 (50%)
Live chat
4 (100%)
24/7 Support
2 (50%)
Minimum age
18 - 18 (18)

Statistics based on 4 Bank accounts products in our database.

CompanyLowestHighest
Cash App3.25%3.25%
Wise3.14%3.14%
Revolut3.25%3.25%
Chime0%0%

Interest Rates

See how rates compare across all providers. The bars show the range between lowest and highest rates offered by each company.

Financer's Choice

Top Rated
Wise

Wise

  • Transfer fees start from 0.57% with no exchange rate markups. Wise uses the mid-market rate, saving users 3-5% compared to traditional banks. Free account opening with no monthly fees.
  • Support available via email and in-app chat. Our testing found personalized, helpful responses, though wait times can vary during peak periods. No phone support available.
  • Fully transparent fee breakdown shown before confirming any transfer. No hidden charges or surprise fees. Volume discounts kick in automatically above $25,000.
  • Rated 4.3/5 on Trustpilot from 280,000+ reviews. Most users praise fast transfers and low fees. Some report frustrating verification delays and occasional fund holds.
Financer Score™79Reviewed by 15 users
Pricing100
Customer Support100
Terms and Flexibility100
Customer Experience69
Read the full review

Best Bank Account in 2026

Wondering why Cash App outperformed 4 other bank accounts in our 2026 tests? Discover their exclusive benefits!

See full comparison

N26 Alternatives for US Customers

If you are searching for n26 alternatives in the United States, you will need a replacement rather than a second account. N26 no longer offers accounts in the US, and the company says all former US accounts have been closed.

Cash App, Revolut, and Wise are three practical substitutes, but none is a direct copy of N26. Cash App is strongest for simple domestic payments. Revolut offers a broader app-based money experience with multiple plans. Wise is designed around international transfers, currency conversion, and spending abroad.

These services are financial technology companies, not traditional banks. Banking services or eligible deposit insurance may be provided through partner banks under specific conditions. If you need a conventional account for direct deposit, bill payments, and everyday banking, compare their features with dedicated checking accounts before choosing.

Why Users Look for Alternatives to N26

N26 built its appeal around mobile account management, card controls, spending insights, and low-friction international use. Former US customers may therefore want more than a basic payment card. They may also expect a polished app, fast transfers, clear fees, and useful travel features.

The problem is availability. N26 says it no longer offers US accounts, and former accounts are closed. A US resident cannot keep using N26 as a primary account or open a replacement N26 US account.

That makes your intended use the best starting point. Someone who mostly sends money to friends has different needs from a frequent traveler who holds several currencies. A person replacing a primary bank account should also consider customer support, cash access, deposit protection, and whether the provider supports every payment they use.

Best Alternatives by Local Use Case

There is no single winner for every former N26 customer. We would narrow the choice by the job you need the account to perform, then check the detailed fees and legal terms before signing up.

Fees, Features, Eligibility, and Regulation Compared

The table below compares the main points that separate these apps like N26. Prices and plan conditions can change, so confirm the current fee schedule before opening an account.

ProviderBest UseKey FeesAccount and ProtectionMain Limitation

Cash App

Simple US payments and card spending

No monthly or purchase transaction fee under current terms; other fees may apply

Cash App is not a bank; eligible Card or Sponsored Account balances may receive conditional pass-through FDIC insurance

Less focused on holding and converting multiple currencies

Revolut

Broad mobile money features and travel

Standard $0; Premium $9.99 monthly; Metal $16.99 monthly; exchange and ATM limits vary

Technology provider with a Lead Bank prepaid account; eligible funds may receive conditional pass-through FDIC insurance

Useful allowances and benefits depend on the selected plan

Wise

International transfers and currency conversion

No monthly account fee; $9 card; ATM fees after $250 per calendar month; variable conversion fees

Wise is not a bank; ordinary balances are safeguarded, not FDIC insured; eligible opted-in USD Interest funds may qualify

Not designed as a complete replacement for every US checking feature

How to Choose an N26 Alternative

Start with the transactions you make in a normal month. List your direct deposits, bill payments, ATM withdrawals, transfers, cash deposits, card purchases, and international payments. A service can look inexpensive until your regular activity exceeds a free allowance.

Next, decide whether this will be your primary account or a specialist account. Cash App can be convenient for peer-to-peer payments. Wise can sit alongside a US checking account for international transactions. Revolut may cover more jobs in one app, but the paid plans need enough use to justify their cost.

Check These Details Before You Apply

  • Eligibility: Confirm your age, state, identity-verification requirements, and access to every feature you need.
  • Recurring costs: Compare monthly plan fees, card costs, ATM charges, transfer fees, and currency-conversion fees.
  • Deposit protection: Identify which balances are eligible for pass-through FDIC insurance and which are only safeguarded.
  • Everyday functions: Check direct deposit, bill payment, mobile wallet, cash access, replacement card, and customer-support options.
  • International use: Review supported currencies, exchange limits, weekend or out-of-hours pricing, recipient fees, and card acceptance.
  • Backup access: Keep another way to reach money in case the app, card, or identity check temporarily blocks a transaction.

When N26 May Still Be the Better Choice

N26 may still suit an eligible person living in a country where the company currently offers accounts. Its mobile-first interface and European account features can be useful when they match that person's residence, identity, and payment needs.

That option does not apply to a US N26 account. N26 no longer offers its service in the United States, and former US accounts are closed. A US resident looking for alternatives to N26 should compare the available US products on their current terms rather than trying to reopen an old account.

If you later move abroad, check N26's official availability and residency rules at that time. Do not assume that US citizenship, a past N26 account, or travel in an eligible country makes you eligible.

Frequently Asked Questions

Is N26 available in the United States?

No. N26 says it no longer offers accounts in the United States and that all former US accounts have been closed. US residents need to choose another available provider.

What is the closest US alternative to N26?

Revolut is the closest option in this comparison for a broad app-based experience. It combines card spending, money management, transfers, and travel-oriented features, but it is a technology provider rather than a traditional bank.

Is Cash App FDIC insured?

No. Cash App itself is not an FDIC-insured bank. Eligible balances associated with a Cash App Card or Sponsored Account may receive pass-through FDIC insurance through partner banks, generally up to $250,000 when all legal requirements are met.

Is money held with Wise FDIC insured?

No. Wise says standard balances are safeguarded but are not FDIC insured. Eligible customers who opt in to USD Interest may receive pass-through FDIC insurance up to $250,000 through participating banks, subject to the program terms.

Which N26 alternative is best for international travel?

Wise is a strong choice when currency conversion and international transfers are your priorities. Revolut may suit travelers who want broader app features and plan-based allowances. Compare current card, ATM, and exchange fees for your destination before leaving.

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