Countingup vs N26 Business
Bottom line, net annual cost favours N26 Business (€0), while Countingup comes to €36. On cashback N26 Business wins (up to 0.5%); for spending abroad FX markup matters, and N26 Business does better (0% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Countingup and N26 Business.
| Countingup | N26 Business | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.9 | ★ 4.1 |
| Estimated net annual cost | €36 | €0 |
| Account fee | €3 | Free |
| IBAN | dedicato · GB | dedicato · DE |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | Yes |
| SEPA direct debit (SDD) | No | Yes |
| On-chain crypto withdrawal | No | No |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | UK · 1+ countries | EEA · 21+ countries |
| Regulator | FCA | BaFin |
| OAM Italy registration | No | Yes |
| SEPA transfer | — | Free |
| Interest on balance | — | 0.25% |
| Regions | UK | EU/EEA |
| Licences & safety | EMI | Full Banking License |
Frequently asked questions
Countingup vs N26 Business: which is better?
Bottom line, net annual cost favours N26 Business (€0), while Countingup comes to €36. On cashback N26 Business wins (up to 0.5%); for spending abroad FX markup matters, and N26 Business does better (0% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Countingup and N26 Business.
Which is cheaper, Countingup or N26 Business?
On the standard spending profile N26 Business has the lowest net annual cost: €0 versus €36 for Countingup.
Which offers more cashback, Countingup or N26 Business?
N26 Business has the highest cashback: up to 0.5%. Note the top rate often requires token staking and is subject to spending caps.
Is Countingup custodial or self-custody?
Countingup is custodial: funds are held by the platform, while N26 Business is custodial.
Which is better for spending abroad?
For foreign-currency spending N26 Business wins, with the lowest FX markup: 0%.