N26 vs Aspire.
N26 (N85/100) and Aspire (A70/100), 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 Aspire 7-1.
| A Aspire №37 · MAS 70 /100 | N N26 №03 · BaFin 85 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 85 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.30% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | Full bank BaFin |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 24 countries |
| Crypto Coins available | No | 400 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 1k reviews | 4.1 ★ 130k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.6 ★ iOS 4.8 · And 4.4 |
| Read review → | Read review → | |
Pick Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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 1 of 2
- Best for reach N26 won 3 of 3
- Best for ux Tied
N26 vs Aspire — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than N26?
Under our v3 methodology, N26 leads Aspire 7–1 across 12 dimensions. Composite scores: Aspire 70/100 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 Aspire or N26 cheaper?
Monthly fee — Aspire: €0; N26: €0. Card FX markup — Aspire: 0.30%; 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, Aspire or N26?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. 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 Aspire and N26?
Aspire operates in 8 countries; 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.