N26 vs Liv..
N26 (N85/100) and Liv. (L59/100), 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 Liv. 9-0.
| L Liv. №53 · CBUAE 59 /100 | N N26 №03 · BaFin 85 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 85 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. CBUAE | Full bank BaFin |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | €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 | 4.3 ★ iOS 4.4 · And 4.2 | 4.6 ★ iOS 4.8 · And 4.4 |
| Read review → | Read review → | |
Pick Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
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 N26 won 2 of 2
- Best for reach N26 won 3 of 3
- Best for ux N26 won 2 of 2
N26 vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than N26?
Under our v3 methodology, N26 leads Liv. 9–0 across 12 dimensions. Composite scores: Liv. 59/100 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 Liv. or N26 cheaper?
Monthly fee — Liv.: €0; N26: €0. Card FX markup — Liv.: 1.50%; 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, Liv. or N26?
Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. N26 holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. N26 is the stronger pick on regulatory protection.
Where can I use Liv. and N26?
Liv. 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.