N26 vs Kuda.
N26 (N85/100) and Kuda (K60/100), 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 Kuda 7-1.
| K Kuda №50 · FCA 60 /100 | N N26 №03 · BaFin 85 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 60 /100 | 85 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 5.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Full bank BaFin |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 24 countries |
| Crypto Coins available | No | 400 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 1k reviews | 4.1 ★ 130k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.6 ★ iOS 4.8 · And 4.4 |
| Read review → | Read review → | |
Pick Kuda if…
Largest Nigerian neobank by user count (~7M+). CBN microfinance bank charter — NDIC-insured but with the smaller microfinance-class ceiling. UK presence as Kuda Technologies adds GBP exposure for Nigerian diaspora customers. Free transfer limit (25/mo) is generous for the Nigerian market.
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 2 of 2
- Best for reach N26 won 2 of 3
- Best for ux Tied
N26 vs Kuda — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Kuda better than N26?
Under our v3 methodology, N26 leads Kuda 7–1 across 12 dimensions. Composite scores: Kuda 60/100 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 Kuda or N26 cheaper?
Monthly fee — Kuda: €0; N26: €0. Card FX markup — Kuda: 5.00%; 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, Kuda or N26?
Kuda holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. 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 Kuda and N26?
Kuda operates in 2 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.