German neobank with a full banking licence from BaFin, operating across 23 European countries. Founded in Berlin in 2013, converted to a pan-European Societas Europaea (SE) in January 2025, and fully focused on Europe after exiting the US in 2021.

Quick facts

Headquarters Berlin, Germany
Company N26 Bank SE
Founded 2013
Ownership VC-backed
Hosting 🇩🇪 Germany
Infrastructure Own infrastructure
Data jurisdiction EU
Open source No
GDPR Compliant
Pricing Freemium · from Free
Free tier Yes
Platforms Web, iOS, Android
Languages
ENDEFRITESPTNLPLSLSK
86 · Strongly European
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Why does it score 86?

Legal jurisdiction
EU member-state HQ
30/30
Ownership & control
VC-backed, EU/EFTA parent
18/25
Data sovereignty
Own infrastructure
30/30
Accountability & trust
GDPR compliant
8/15
EuroPoints total
86/100
How we calculate EuroPoints →

See how they compare

N26
bunq
Wise
EuroPoints
86 Strongly European
83 Strongly European
43 Not Very European
Legal jurisdiction
EU member-state HQ30/30
EU member-state HQ30/30
European HQ (outside EU/EFTA)18/30
Ownership & control
VC-backed, EU/EFTA parent18/25
VC-backed, no non-EU parent15/25
Publicly traded, non-EU HQ5/25
Data sovereignty
Own infrastructure30/30
Own infrastructure30/30
Mixed infrastructure12/30
Accountability & trust
GDPR compliant8/15
GDPR compliant8/15
GDPR compliant8/15
Independence bonus
—
—
—
Headquarters
Berlin, Germany
Amsterdam, Netherlands
London, United Kingdom
Founded
2013
2012
2011
Open source
No
No
No
Infrastructure
Own infrastructure
Own infrastructure
Mixed infrastructure
GDPR
✓
✓
✓
Free tier
✓
✓
✓
Pricing
Freemium · from Free
Freemium · from Free
Freemium · from Free
Platforms
Web, iOS, Android
Web, iOS, Android
Web, iOS, Android
Languages
en, de, fr, it, es, pt, nl, pl, sl, sk
en, de, fr, nl, it, es, pt
en, de, fr, es, it, pt, nl, pl, ro, hu, bg

What does it replace?

Revolut Monzo

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