C24 oder N26 (2025) Welches Konto ist besser?

Summary

In this video, the N26 Standard and C24 Smart checking accounts are compared, highlighting their key differences. Both accounts offer no management fees and various features such as sub-accounts and interest on balances. N26 provides a free Mastercard debit card with limited ATM withdrawals and no foreign currency fees on payments. C24 offers more advantages, including 3 cards (Girocard, Mastercard, and virtual), higher interest rates, free worldwide ATM withdrawals, real-time transfers, cashback on card payments, and advanced spending analysis. Ultimately, C24 Smart is recommended for its superior benefits and flexibility.

Takeaways

• 😀 Both N26 Standard and C24 Smart accounts have no management fees, making them free to maintain without any conditions.
• 😀 N26 offers a single sub-account (daily money account), while C24 provides 4 sub-accounts (Pockets), each with its own IBAN.
• 😀 C24 allows for shared Pockets with other customers, making it easier to manage shared goals like savings or household expenses.
• 😀 N26 offers 1% annual interest on daily money deposits, while C24 offers 1.75% on the main account and 2% on daily money subaccounts.
• 😀 N26 provides a free digital Mastercard, but physical cards are available for a one-time fee of €10. C24 offers three types of cards: Girocard, physical Mastercard, and virtual Mastercard.
• 😀 N26 allows two free cash withdrawals per month in Germany and the Eurozone, with a €2 charge for additional withdrawals. C24 offers four free withdrawals globally per month, with a €2 fee for each extra withdrawal.
• 😀 Both N26 and C24 allow for free card payments worldwide, with no foreign currency fees for purchases.
• 😀 N26 charges €0.49 for real-time transfers, while C24 offers free real-time transfers in addition to free standard transfers.
• 😀 C24 offers cashback on card payments: 0.05% standard and up to 2.5% with partner offers. N26 does not provide cashback on payments.
• 😀 Both N26 and C24 support mobile payments via Apple Pay and Google Pay with their Mastercards.
• 😀 C24 includes advanced features like AI-driven contract optimization and the ability to integrate other bank accounts for spending analysis.

Q & A

What are the account management fees for N26 Standard and C24 Smart accounts?

Both the N26 Standard and C24 Smart accounts have no account management fees. They are free to use with no conditions, and no minimum monthly payment is required.

What are the main differences in sub-accounts between N26 Standard and C24 Smart?

N26 Standard provides one daily money account as a sub-account, while C24 Smart offers 4 sub-accounts called Pockets, each with its own IBAN. C24 also allows you to create a shared Pocket for joint savings or household purposes.

Do N26 and C24 Smart offer interest on account balances?

N26 does not offer interest on current account balances but offers 1% interest on daily money deposits. C24 Smart, however, offers 1.75% interest on current account balances and 2% interest on daily money sub-accounts.

What types of cards are available with N26 Standard and C24 Smart accounts?

N26 Standard comes with a free digital Mastercard, with an option to order a physical card for a €10 fee. C24 Smart offers 3 cards: a Girocard, a physical Mastercard, and a virtual Mastercard. You can also order additional virtual cards for €1.99 each.

How do cash withdrawals differ between N26 Standard and C24 Smart?

N26 allows 2 free ATM withdrawals per month in Germany and the Eurozone, with a €2 fee for additional withdrawals. C24 offers 4 free ATM withdrawals per month worldwide, with a €2 fee for additional withdrawals.

Can you withdraw cash at retail stores with N26 and C24?

Yes, both N26 and C24 allow cash withdrawals in retail stores. N26 offers this in around 12,000 locations in Germany, while C24 provides access to retail stores like Rewe, Penny, dm, Rossmann, and more.

Are there any foreign currency fees for card payments with N26 and C24?

No, neither N26 nor C24 charges foreign currency fees for card payments, allowing free use worldwide in any currency.

Do N26 and C24 charge for real-time transfers?

N26 charges a flat rate of 49 cents for outgoing real-time transfers, while C24 offers free real-time transfers, making it more favorable for users who require fast transactions.

Is there any cashback program with N26 and C24?

N26 does not offer cashback on card payments. C24 Smart, however, provides 0.05% cashback on all card payments and offers up to 2.5% cashback with specific partner offers.

What features does C24 offer for managing contracts and spending analysis?

C24 uses artificial intelligence to recognize contracts and subscriptions, alerting users about price increases and potential savings. Additionally, users can integrate accounts from other banks to use the spending analysis feature.