Updated September 28, 2026 · DebitCue Editorial Team
N26 Go vs Qonto_AT
N26 Go
Higher score in this comparison
Qonto_AT
Where N26 Go and Qonto_AT differ
| Compare | N26 GoReviewVisitVisit | Qonto_ATReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €9 |
| Currency conversion fee | 0%Lower | 2% |
| Free ATM withdrawals | Not confirmed | €0 |
| Currencies | Not confirmed | from 30 |
Same on both: Card type (Debit), Card network (Mastercard).
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Key differences
- N26 Go scores higher overall: 9.0 vs 8.8.
- Founded is lower at N26 Go: 2013 vs 2017.
- Monthly fee is lower at N26 Go: €0 vs €9.
- Currency conversion fee is lower at N26 Go: 0% vs 2%.
- Support channels: only Qonto_AT offers Chat, Email.
- Features: only Qonto_AT offers Multi currency.
- Audience: only N26 Go offers Kids.
Our verdict on each
N26 Go
N26 Go suits people who spend most of each year abroad and want travel extras without a foreign conversion charge. The membership costs €118.80 a year, and the currency conversion fee is 0%, so card spending abroad keeps its full value.
Qonto_AT
Qonto suits sole traders and small companies that want a euro account with a Mastercard card and an annual fee of €0. The account itself costs €9 a month and overdraft borrowing runs at 17.5%, so the card only pays off if you use it.
Score breakdown
| Area | N26 Go | Qonto_AT |
|---|---|---|
| Cost | 9.4HigherThe currency conversion fee is 0% and the membership runs at €118.80 a year, a fair price for the travel cover and lounge access. | 9.1 |
| Offer | 8.9 | 9.4Higher |
| Trust | 8.8Higher | 8.2 |
Availability and regulation
| Country | N26 Go | Qonto_AT |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
What we checked
N26 Go
- n26.com: 6 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- support.n26.com: 2 facts, checked September 26, 2026
Qonto_AT
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | N26 Go | Qonto_AT |
|---|---|---|
| Debit cards | 31 of 1336 | 9 of 1336 |
| Business debit cards | 9 of 201 | 2 of 201 |
| Travel cards | 20 of 443 | 7 of 443 |
Every fact side by side
| Fact | N26 Go | Qonto_AT |
|---|---|---|
| Features | Travel, Virtual card | Multi currency, Virtual card, TravelCovers more |
| Audience | Kids, BusinessCovers more | Business |
| Legal entity | N26 SE | QONTO |
| Headquarters | Germany | France |
| Founded | 2013Lower | 2017 |
| Support channels | Phone, Help centre | Chat, Email, Phone, Help centreCovers more |
Credit cards
| Fact | N26 Go | Qonto_AT |
|---|---|---|
| Annual fee | €118.80 | €0Lower |
| APR | Not confirmed | 17.5% |
| Rewards type | Cashback | None |
| Pricing model | Not confirmed | No annual fee |
| Rewards rate | 1% while traveling outside EEA, Switzerland, UK for up to 12 months | Not confirmed |
| Perks | Travel insurance, Airport lounge access, Dedicated phone support, Free ATM withdrawals worldwide | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| Cashback rate | 1% | Not confirmed |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | N26 Go | Qonto_AT | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €9highest quarter | €0 |
| Currency conversion fee | 0%below the median | 2%above the median | 1% |
| Free ATM withdrawals | Not confirmed | €0below the median | €4 |
| Currencies | Not confirmed | from 30highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
N26 Go
Pros
- No foreign conversion cost on the currency conversion fee of 0%, against a site median of 1%
- Cashback of 1% on spending outside the EEA, Switzerland and the UK, paid as cashback
- Free ATM withdrawals worldwide, a clear step up from a site median free withdrawal allowance of €0
Cons
- The annual fee of €118.80 is a real cost, and the site annual fee median is €0
- Cashback is limited to spending outside the EEA, Switzerland and the UK, and it stops after a set period
- Support runs through phone and help centre, so the dedicated phone line is reserved for members paying the annual fee
Qonto_AT
Pros
- Annual card fee of €0, and card insurance covers travel, business purchases and fraud.
- Multi-currency, virtual card and travel features come with the Mastercard.
- Deferred debit is available at no extra cost on Plus and X Cards.
Cons
- The account charge of €9 a month sits above the site median €0.
- Conversion at 2% is above the site median 1%.
- Spend earns nothing back, with a rewards type of none.
Who each suits
N26 Go
Who it suits
- People who travel regularly and pay in several currencies each year
- Travellers who still take cash out at the machine and want free ATM withdrawals worldwide
- Members who will use travel insurance and airport lounge access more than once a year
Who should look elsewhere
- Anyone spending only inside the EEA, Switzerland and the UK, where the cashback does not apply
- People who want a cheap everyday debit card, since Varo Believe Secured Credit Card charges a monthly fee of $0
- Bank customers who will not use travel insurance, lounge access or dedicated phone support, all of which come with the membership
Qonto_AT
Who it suits
- A sole trader or small company paying staff and suppliers from the same euro account.
- Businesses spending across from 30 currencies that keep a balance in each.
- Teams wanting a virtual card for subscriptions next to a physical Mastercard.
Who should look elsewhere
- Anyone after cashback on spend, since the rewards type here is none, so Chime Card (Secured Visa Credit Card) is worth a look.
- Anyone without a company behind the account, as Qonto is built for business customers and Wise serves personal money.
- Anyone building a credit record first, for whom Varo Believe Secured Credit Card is the secured option.
Current offers
Qonto_AT
Current offer
Free trial
1-month free trial on Qonto business account plans: 1 month free
Offered on the Basic, Smart and Premium business account plans; displayed prices are monthly equivalents billed annually
Source, checked September 26, 2026
Country by country
| Country | N26 Go | Qonto_AT |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
Questions about each
N26 Go
What does the N26 Go membership cost?+
The membership runs at €118.80 a year on top of a monthly fee of €0. In return the account adds travel insurance, airport lounge access, dedicated phone support and free ATM withdrawals worldwide. The perks list is the reason to look past the annual fee.
Is there a foreign transaction or currency conversion fee?+
The currency conversion fee is 0%, so spending abroad keeps the full value of the transaction. That sits below the site median of 1%, which is why the card appeals to frequent travellers.
Qonto_AT
What does a Qonto business account cost each month?+
The account itself is billed at €9 a month, while the card carries an annual fee of €0. Overdraft borrowing is charged at 17.5%, and currency conversion on the card costs 2%. Card spend itself adds nothing, so the running cost depends on borrowing and on how often you pay in another currency.
Who supervises Qonto in France?+
Qonto is supervised in France by ACPR (Autorite de Controle Prudentiel et de Resolution), recorded as 16958. The French register lists the same authority as PSD_PI FR_ACPR!68677, and France is the headquarters country. Both entries point to the same French body, so the account sits under a single named supervisor.