N26 vs Trust Bank.
N26 (N85/100) and Trust Bank (T52/100), 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 Trust Bank 8-1.
| N N26 №03 · BaFin 85 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 85 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BaFin | Payment inst. MAS |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | Safeguarded SG.SDIC |
| 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 | 4.7 ★ iOS 4.7 · And 4.6 |
| 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 Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- 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 Tied
N26 vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is N26 better than Trust Bank?
Under our v3 methodology, N26 leads Trust Bank 8–1 across 12 dimensions. Composite scores: N26 85/100 vs Trust Bank 52/100. 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 Trust Bank cheaper?
Monthly fee — N26: €0; Trust Bank: €0. Card FX markup — N26: Interbank; Trust Bank: 1.00%. 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 Trust Bank?
N26 holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. N26 is the stronger pick on regulatory protection.
Where can I use N26 and Trust Bank?
N26 operates in 24 countries; Trust Bank 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.