N26 vs Opay.
N26 (N85/100) and Opay (O58/100), 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 Opay 7-0.
| N N26 №03 · BaFin 85 /100 | O Opay №54 · CBN 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 85 /100 | 58 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BaFin | E-money inst. CBN |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 24 countries | 5 countries |
| Crypto Coins available | 400 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.1 ★ 130k reviews | 1.5 ★ 5k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.8 · And 4.4 | 4.5 ★ iOS 4.4 · And 4.5 |
| Read review → | Read review → | |
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
Pick Opay if…
Largest Nigerian mobile-money + neobank hybrid by user count (~50M+). Saudi Aramco-affiliated investor backed. OBank subsidiary holds the bank licence; OPay wallet sits on top. Aggressive cross-EM expansion (Egypt, Pakistan announced). The Nigerian mobile-money rail leader.
- Best for fees Tied
- Best for protection N26 won 2 of 2
- Best for reach N26 won 2 of 3
- Best for ux N26 won 2 of 2
N26 vs Opay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is N26 better than Opay?
Under our v3 methodology, N26 leads Opay 7–0 across 12 dimensions. Composite scores: N26 85/100 vs Opay 58/100. N26 is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is N26 or Opay cheaper?
Monthly fee — N26: €0; Opay: €0. Card FX markup — N26: Interbank; Opay: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, N26 or Opay?
N26 holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Opay holds a E-money inst. licence under CBN; deposit guarantee per depositor: Safeguarded. N26 is the stronger pick on regulatory protection.
Where can I use N26 and Opay?
N26 operates in 24 countries; Opay operates in 5 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.