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Head-to-head

N26 Flex vs N26 Smart

Compare N26 Flex and N26 Smart side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

N26 Flex versus N26 Smart compared by attribute
Feature N26 Flex N26 Smart
Card fee €8.9 EUR/mo (≈ $10) €4.9 EUR/mo (≈ $5)
Purchase APR (from) - -
Interest-free period - -
Foreign transaction fee 1.5% 0%
Rewards - -
Installments - -
No card fee - -
No foreign transaction fee -
Welcome bonus - -
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay -

Which is right for you

Pick by how you spend

  • Choose the N26 Flex if its checked rows above line up with how you spend most.
  • Choose the N26 Smart if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review N26 Flex Full review N26 Smart

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