Paynetics vs N26 Business
On cashback N26 Business wins (up to 0.5%). Neither wins across the board: weigh the points above against your use case before choosing between Paynetics and N26 Business.
| Paynetics | N26 Business | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.1 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso · BG, UK | dedicato · DE |
| Multi-currency | Yes · 5 currencies | 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 |
| SEPA transfer | Free | Free |
| Interest on balance | 0% | 0.25% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA, UK · 31+ countries | EEA · 21+ countries |
| Regulator | BNB (Bulgaria) + FCA (UK) | BaFin |
| OAM Italy registration | No | Yes |
| Segment | B2B | — |
| Regions | EU/EEA, UK | EU/EEA |
| Licences & safety | EMI | Full Banking License |
Frequently asked questions
Paynetics vs N26 Business: which is better?
On cashback N26 Business wins (up to 0.5%). Neither wins across the board: weigh the points above against your use case before choosing between Paynetics and N26 Business.
Which is cheaper, Paynetics or N26 Business?
On the standard spending profile Paynetics has the lowest net annual cost: €0 versus €0 for N26 Business.
Which offers more cashback, Paynetics 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 Paynetics custodial or self-custody?
Paynetics is custodial: funds are held by the platform, while N26 Business is custodial.