N26 vs RappiPay.
N26 (N85/100) and RappiPay (R50/100), 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 RappiPay 9-0.
| N N26 №03 · BaFin 85 /100 | R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 85 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BaFin | Payment inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | Safeguarded CO.FOGAFIN |
| Reach | ||
| Markets served Licensed jurisdictions | 24 countries | 1 country |
| Crypto Coins available | 400 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.1 ★ 130k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.8 · And 4.4 | 4.3 ★ iOS 4.3 · And 4.2 |
| 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 RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
- 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 RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is N26 better than RappiPay?
Under our v3 methodology, N26 leads RappiPay 9–0 across 12 dimensions. Composite scores: N26 85/100 vs RappiPay 50/100. 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 RappiPay cheaper?
Monthly fee — N26: €0; RappiPay: €0. Card FX markup — N26: Interbank; RappiPay: 3.00%. 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, N26 or RappiPay?
N26 holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. N26 is the stronger pick on regulatory protection.
Where can I use N26 and RappiPay?
N26 operates in 24 countries; RappiPay operates in 1 country. 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.