N26 vs Bank Jago.
N26 (N85/100) and Bank Jago (B75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. N26 leads Bank Jago 7-1.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | N N26 №03 · BaFin 85 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 85 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Full bank BaFin |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 24 countries |
| Crypto Coins available | No | 400 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.1 ★ 130k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.6 ★ iOS 4.8 · And 4.4 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
- Best for fees N26 won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach N26 won 3 of 3
- Best for ux N26 won 2 of 2
N26 vs Bank Jago — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than N26?
Under our v3 methodology, N26 leads Bank Jago 7–1 across 12 dimensions. Composite scores: Bank Jago 75/100 vs N26 85/100. N26 is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Bank Jago or N26 cheaper?
Monthly fee — Bank Jago: €0; N26: €0. Card FX markup — Bank Jago: 2.00%; N26: Interbank. N26 wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bank Jago or N26?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. N26 holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and N26?
Bank Jago operates in 1 country; N26 operates in 24 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.