Melhor Neobanco em Germany 2026

Full German banking license (BaFin) combined with a sleek mobile-only experience; one of the first fully licensed EU neobanks with €100,000 German deposit protection

N26 is headquartered in Berlin. Provides DE IBAN. Dominant in Germany. App available in German.

The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers

Revolut launched a German branch; new customers receive a DE IBAN. App available in German.

The lowest-cost investing platform in Europe with a full banking account — €1 flat fee per trade and 2% interest on cash make it the go-to for cost-conscious long-term investors; 8M+ users

Trade Republic is headquartered in Berlin. DE IBAN. Very popular for savings and investing. App in German.

The global benchmark for transparent, low-cost international transfers — always at the real exchange rate with no hidden markups; 4.3/5 Trustpilot from 220K+ reviews confirms industry-leading trust

Wise available in Germany. EUR IBAN via Belgian entity (BE IBAN for EUR). App available in German.

SME-focused business banking (as of the March 2025 retail-exit pivot) with a multi-IBAN Pockets model (up to 15 country-specific IBANs in one account) plus an attached MiFID II brokerage and a MiCAR-licensed crypto surface — a combination no other EU SME banking product matches.

Vivid Money launched in Germany first. App in German. LT IBAN via Solarisbank/Banking Circle.

The leading B2B-only European neobank purpose-built for SMEs and freelancers — deep accounting integrations and team finance workflows, not a retail consumer play; 600,000+ business customers

Qonto offers DE IBAN for German business accounts since 2020. App available in German.

Europe's second-largest neobank by deposits (€8B+) with the most granular IBAN-per-sub-account architecture; first new fully licensed bank in the Netherlands in 38 years; strong sustainability angle

bunq is a Dutch bank available in Germany. NL IBAN (passported). App available in German.