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N26 Alternatives & Competitors

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Replacement verdicts

Alternatives to N26

Curated replacements grouped by fit, tradeoffs, pricing flexibility, and platform access. Use this list to decide which N26 competitor is worth testing first.

Looking for a N26 replacement? We've profiled 20 alternatives by workflow fit, pricing flexibility, caveats, and platform access. Whether you need a free option to trial, mobile-ready workflows, or API integrations, this list helps you choose what to test first.

Visit N26 Free alternatives Tool details

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Which Alternative Should You Use?

Revolut (Invest)

Closest replacement

Best for: Revolut customers who want investing inside the same money app.

Revolut (Invest) best matches the base workflow on brokerage trading, portfolio tracking, and market monitoring.
Revolut (Invest) shares Free and Subscription pricing with the base tool.

Watch for: Fees depend on region and plan: Commission-free order allowances, execution commissions, Trading Pro pricing, crypto, commodities, and robo-advisor availability vary by entity and country.

Open Revolut Invest

Details Compare

Scalable Capital

Best audience fit

Best for: European investors comparing low-cost broker plans for stocks, ETFs, funds, bonds, crypto ETPs, derivatives, and savings plans.

Scalable Capital best matches the base workflow on brokerage trading, portfolio tracking, and market monitoring.
Scalable Capital shares Free and Subscription pricing with the base tool.

Watch for: Region-limited broker: Coverage is focused on supported European countries and local regulatory/product availability.

Compare Scalable costs

Details Compare

Koyfin

Best pricing fit

Best for: Investors who want dashboards, charts, screeners, portfolios, news, and alerts in a web and mobile workspace.

Koyfin best matches the base workflow on portfolio tracking, market monitoring, and options and trading workflows.
Koyfin adds a free starting point that the base tool does not show. Free-plan limits: Signup required. Free plan includes limited watchlists, screens, dashboards, alerts, portfolios, financials, and estimates history.

Watch for: No public API: Koyfin does not provide user-facing data access through an API.

Get 20% off Koyfin

Details Compare

Interactive Brokers (IBKR)

Strong runner-up

Best for: Active investors who need global multi-asset access, advanced orders, APIs, and volume-based commissions.

Interactive Brokers (IBKR) best matches the base workflow on brokerage trading, portfolio tracking, and market monitoring.
Interactive Brokers (IBKR) shares Free pricing with the base tool.

Watch for: Commission and market-data details vary by market: The record contains separate stock, ETF, options, futures, crypto, and market-data pricing notes by region and product.

Open IBKR account

Details Compare

Detailed Alternatives

I want to

Pay lessFill a gapUpgrade overall

Our ranked order by workflow overlap and quality.

1

Closest replacement

Revolut (Invest)

Analyst pickTested by us

Bottom line: Revolut customers who want investing inside the same money app.

Keep

Brokerage
Wealth Management
Watchlist

Gain

Portfolio
Alerts
News
ETF Analysis

Lose

No missing capabilities listed.

Watch out

Useful when you want to add portfolio watchlists, news and alerts, and filings and transcript research instead of mirroring the current workflow.
Free-plan limits: Signup required. Investing requires eligible Revolut account and country availability. In Spain, Standard and Plus include 0 commission-free orders, Premium 5, and Metal or Ultra 10; the allowance covers stocks, ETPs, and bonds.
Fees depend on region and plan: Commission-free order allowances, execution commissions, Trading Pro pricing, crypto, commodities, and robo-advisor availability vary by entity and country.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Drop-in replacement

Open Revolut Invest Compare

Full review and details

2

Best audience fit

Scalable Capital

Bottom line: European investors comparing low-cost broker plans for stocks, ETFs, funds, bonds, crypto ETPs, derivatives, and savings plans.

Keep

Brokerage
Wealth Management
Watchlist

Gain

Portfolio
Downloadable Tax Reports

Lose

Cryptos coverage

Watch out

Useful when you want to add portfolio watchlists, screening and idea generation, and API and market data instead of mirroring the current workflow.
Free-plan limits: Signup required. Brokerage use requires an eligible Scalable account. FREE and PRIME+ plans have different order-fee rules.
Region-limited broker: Coverage is focused on supported European countries and local regulatory/product availability.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Drop-in replacement

Compare Scalable costs Compare

Full review and details

3

Partial replacement

Interactive Brokers (IBKR)

Analyst pickTested by us

Bottom line: Active investors who need global multi-asset access, advanced orders, APIs, and volume-based commissions.

Keep

Brokerage
Watchlist

Gain

Advanced Order Types
Smart/Direct Routing
Paper Trading
Options

Lose

Wealth Management

Watch out

Useful when you want to add broker-connected trading, paper trading, and portfolio analytics instead of mirroring the current workflow.
Free-plan limits: Signup required. Brokerage account has no recurring platform fee in the profile, but trading commissions and add-on fees vary by product. Real-time market data and Level II data generally require subscriptions.
Commission and market-data details vary by market: The record contains separate stock, ETF, options, futures, crypto, and market-data pricing notes by region and product.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open IBKR account Compare

Full review and details

4

Charles SchwabPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

4

Partial replacement

Charles Schwab

Bottom line: U.S. investors who want brokerage, trading platforms, research, tax workflows, and several asset classes in one account.

Keep

Brokerage
Watchlist

Gain

Portfolio
Options
Paper Trading
Advanced Order Types

Lose

Wealth Management

Watch out

Useful when you want to add paper trading, broker-connected trading, and financial data API instead of mirroring the current workflow.
Free-plan limits: Signup required. Brokerage use requires an approved Schwab account. Options, futures, forex, margin, and API workflows require separate approval or authorization.
Advanced products need approval: Options, futures, forex, margin, and crypto access have separate approval, risk, and eligibility requirements.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open Schwab account Compare

Full review and details

5

E*TRADE from Morgan StanleyPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

5

Partial replacement

E*TRADE from Morgan Stanley

Bottom line: U.S. self-directed investors who need several account types, research, retirement administration, and multiple trading platforms.

Keep

Brokerage
Watchlist

Gain

Portfolio
Advanced Order Types
Options
Downloadable Tax Reports

Lose

Wealth Management

Watch out

Useful when you want to add options data and filings and transcript research instead of mirroring the current workflow.
Free-plan limits: Signup required. Brokerage features require an approved account and cleared funding. Options, margin, futures, crypto and specialized registrations require separate eligibility.
Low default cash rate: The standard Bank Deposit Program pays 0.01% below $500,000 under the current tier schedule; rates are variable.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open E*TRADE Compare

Full review and details

6

RobinhoodPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

6

Partial replacement

Robinhood

Bottom line: U.S. retail investors who want mobile and web trading for stocks, ETFs, options, futures, and crypto.

Keep

Brokerage
Wealth Management

Gain

Portfolio
Options

Lose

Watchlist

Watch out

Useful when you want to add options data and filings and transcript research instead of mirroring the current workflow.
Free-plan limits: Signup required. Brokerage use requires account approval. Gold is a paid subscription after the one-time free trial.
Gold benefits change the economics: Margin perks, preferred IRA match, cash program rates, and discounted derivatives fees require Robinhood Gold. Gold Card and mortgage offers require annual membership.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open Robinhood Compare

Full review and details

7

SMARTBROKER+Partial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

7

Partial replacement

SMARTBROKER+

Bottom line: Eligible European residents who want a depot without custody fees and with low-cost gettex execution.

Keep

Brokerage
Watchlist

Gain

Portfolio
Downloadable Tax Reports

Lose

Wealth Management

Watch out

Avoid as a full replacement if you rely on market monitoring.
Free-plan limits: Signup required. An approved depot and app-based identity verification are required. €0 execution is conditional on gettex, premium-partner eligibility and €500 order value.
Nine-country eligibility: New accounts are limited to residents of nine named European countries and exclude people subject to U.S. tax.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open SMARTBROKER+Compare

Full review and details

8

Fidelity (Fidelity Brokerage Services LLC)Partial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

8

Partial replacement

Fidelity (Fidelity Brokerage Services LLC)

Bottom line: U.S. investors looking for $0 online stock and most ETF trades, research, tax documents, and several account types.

Keep

Brokerage
Watchlist

Gain

Portfolio
Advanced Order Types
Smart/Direct Routing
Order Book / Level II

Lose

Wealth Management

Watch out

Avoid as a full replacement if you rely on advisor and client reporting.
Free-plan limits: Signup required. Brokerage use requires an approved Fidelity account. Options, international trading, margin, crypto, and active-trader workflows have separate rules or approvals.
Not all trades are free: Options contracts, secondary bonds/CDs, crypto transactions, professional options fees, regulatory fees, and certain ETF purchase service fees can apply.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open Fidelity account Compare

Full review and details

9

Public.comPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

9

Partial replacement

Public.com

Bottom line: Eligible U.S. investors looking for stocks, ETFs, bonds, and options in one self-directed interface.

Keep

Brokerage
Watchlist

Gain

Portfolio
Options
Downloadable Tax Reports

Lose

Wealth Management
Cryptos coverage

Watch out

Avoid as a full replacement if you rely on market monitoring.
Free-plan limits: Signup required. An approved eligible U.S. brokerage account is required. U.S.-listed equity trades, including extended hours, and OTC trades have $0 stated commission; routing, transfer, and regulatory fees can apply.
U.S.-only onboarding: Opening requires a U.S. residential address, valid SSN, and supported citizenship, residency, or visa status.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open Public Compare

Full review and details

10

eToroPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

10

Partial replacement

eToro

Bottom line: Retail investors who want multi-asset trading, social features, and a demo account.

Keep

Brokerage
Watchlist

Gain

Copy/Social Trading
Paper Trading
Advanced Order Types
Portfolio

Lose

Wealth Management

Watch out

Avoid as a full replacement if you rely on advisor and client reporting.
Free-plan limits: Signup required. Trading requires account approval and regional availability. Crypto trading has a separate 1% fee.
Crypto and regional availability vary: Crypto, CopyTrader, Smart Portfolios, options, and asset availability depend on region, entity, and state restrictions.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open eToro Compare

Full review and details

11

KoyfinBest pricing fitFree • From $39/mo billed yearlyFree with signup

11

Best pricing fit

Koyfin

Analyst pickTested by us

Bottom line: Investors who want dashboards, charts, screeners, portfolios, news, and alerts in a web and mobile workspace.

Keep

Watchlist

Gain

Screeners
ETF Screeners
Data Visualizations
Custom Dashboards

Lose

Brokerage
Wealth Management

Watch out

Avoid as a full replacement if you rely on brokerage trading.
Free-plan limits: Signup required. Free plan includes limited watchlists, screens, dashboards, alerts, portfolios, financials, and estimates history. New accounts receive a seven-day trial and then downgrade to Free without a charge.
No public API: Koyfin does not provide user-facing data access through an API.

Cost

Free with signup

$39/moto go paid, billed yearly

No comparable monthly price for N26

Fit: Partial replacement

Get 20% off Koyfin Compare

Full review and details

12

Perplexity FinancePartial replacementFree • From $20/moFree, no signup

12

Partial replacement

Perplexity Finance

Analyst pickTested by us

Bottom line: Users looking for cited AI answers over finance pages, filings, news, charts, watchlists, screeners, ownership data, and earnings documents.

Keep

Watchlist

Gain

Screeners
Data Visualizations
News
Calendar

Lose

Brokerage
Wealth Management

Watch out

Avoid as a full replacement if you rely on brokerage trading.
Free-plan limits: Free consumer plan includes 3 Pro searches per day. Pro is listed locally at $20/month and Max at $200/month for consumer access. Agent API finance_search is billed at $0.005 per invocation, or $5 per 1,000 invocations, with model tokens billed separately.
AI answer quality still needs review: Perplexity cites sources, but investment conclusions, calculations, and data joins should be verified before use.

Cost

Free, no signup

$20/moto go paid

No comparable monthly price for N26

Fit: Partial replacement

Open Perplexity Finance Compare

Full review and details

13

LightyearPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

13

Partial replacement

Lightyear

Bottom line: UK and European investors who want a multi-currency app for stocks, ETFs, funds, bonds, and investment plans.

Keep

Brokerage
Watchlist

Gain

Portfolio
AI Research
Stock Ideas
ETF Analysis

Lose

Wealth Management

Watch out

Avoid as a full replacement if you rely on market monitoring.
Free-plan limits: Signup required. Lightyear charges no account or custody fee. European accounts also have no Lightyear ETF execution fee. European accounts pay stock-order fees and 0.35% FX. UK personal accounts have commission-free stock and fund orders and 0.10% FX.
Brokerage first: Lightyear is an investing platform and broker, not a full research terminal, custom screener engine, or strategy backtesting product.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

View Lightyear pricing Compare

Full review and details

14

TC2000Partial replacementFree • From $24.99/moFree, no signup

14

Partial replacement

TC2000

Bottom line: Active U.S. stock and options traders who need streaming charts, formula scans, alerts, paper trading, or connected brokerage trading.

Keep

Brokerage
Watchlist

Gain

Screeners
Portfolio
Options
News

Lose

Wealth Management
Cryptos coverage

Watch out

Avoid as a full replacement if you rely on market monitoring and advisor and client reporting.
Free-plan limits: The anonymous free version uses delayed streaming data and a limited layout. Pricing page lists Basic at $24.99/month, Premium at $49.99/month, and Premium+ at $99.99/month. Annual and biennial billing selectors are available, but current public text does not expose their effective rates.
Limited free access: The anonymous version includes limited charts, delayed streaming data, option chains, a watchlist, and paper-trading windows. Real-time scans and other core workflows require a paid plan.

Cost

Free, no signup

$24.99/moto go paid

No comparable monthly price for N26

Fit: Partial replacement

Compare TC2000 plans Compare

Full review and details

15

MyInvestorPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

15

Partial replacement

MyInvestor

Bottom line: Spanish residents who want a domestic bank and self-directed stock and ETF trading in one app.

Keep

Brokerage
Wealth Management

Gain

Portfolio
Downloadable Tax Reports

Lose

Watchlist
Cryptos coverage

Watch out

Avoid as a full replacement if you rely on market monitoring.
Free-plan limits: Signup required. An approved MyInvestor bank account and identity checks are required. Stock and ETF trades use percentage fees with minimums and external venue charges.
Conditional access outside Spain: Foreign nationals must live in Spain. EU residence is supported for Spanish nationals, but the current account page conflicts on whether UK residents also qualify.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open MyInvestor Compare

Full review and details

16

Vanguard BrokeragePartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

16

Partial replacement

Vanguard Brokerage

Bottom line: U.S. long-term investors who center portfolios on Vanguard mutual funds and ETFs.

Keep

Brokerage
Watchlist

Gain

Portfolio
Downloadable Tax Reports

Lose

Wealth Management
Cryptos coverage

Watch out

Avoid as a full replacement if you rely on market monitoring.
Free-plan limits: Signup required. New accounts require eligible U.S. status, address, and identity details. Options, margin and specialized registrations require approval or separate rules.
Fractional scope is narrow: Dollar-based ETF trading is documented for Vanguard ETFs, not generalized to non-Vanguard stocks and ETFs.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open Vanguard Compare

Full review and details

17

WebullPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

17

Partial replacement

Webull

Bottom line: Eligible U.S. traders looking for mobile, web, and desktop execution with $0 online commissions for U.S.-listed stocks and ETFs.

Keep

Brokerage
Watchlist

Gain

Portfolio
Advanced Order Types
Options
Downloadable Tax Reports

Lose

Wealth Management
Cryptos coverage

Watch out

Avoid as a full replacement if you rely on advisor and client reporting.
Free-plan limits: Signup required. Trading requires an approved eligible brokerage account. Options, margin, entity and IRA access have additional rules.
U.S. eligibility rules: Applicants need a U.S. address, SSN or ITIN, and permanent-resident or accepted-visa status.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open Webull Compare

Full review and details

18

AJ BellPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

18

Partial replacement

AJ Bell

Bottom line: UK investors looking for taxable, ISA, LISA, junior, trust, company, and pension accounts with one provider.

Keep

Brokerage
Watchlist

Gain

Portfolio
Advanced Order Types
Downloadable Tax Reports

Lose

Wealth Management
Cryptos coverage

Watch out

Useful when you want to add portfolio watchlists and filings and transcript research instead of mirroring the current workflow.
Free-plan limits: Signup required. Brokerage access requires an approved eligible UK account. Shares, funds, FX, taxes, levies, and investment products can each add charges.
UK tax residence required: New online accounts require UK tax residence. U.S. and Canadian citizens or tax residents are excluded.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open AJ Bell Compare

Full review and details

19

Hargreaves LansdownPartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

19

Partial replacement

Hargreaves Lansdown

Bottom line: UK investors looking for broad funds, shares, ETFs, bonds, ISA, LISA, junior, trust, and pension accounts in one established platform.

Keep

Brokerage
Watchlist

Gain

Portfolio
Advanced Order Types
Downloadable Tax Reports

Lose

Wealth Management
Cryptos coverage

Watch out

Useful when you want to add portfolio watchlists, portfolio analytics, and filings and transcript research instead of mirroring the current workflow.
Free-plan limits: Signup required. Brokerage use requires an approved account and applicable UK residence/wrapper eligibility. Platform, dealing, FX, tax, levy, and product charges can apply.
Percentage platform charge: Funds and most listed assets carry 0.35% entry-tier account charges, with different tiers, caps, and junior-account exceptions.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open an HL account Compare

Full review and details

20

WealthsimplePartial replacementTransaction-priced · Fees vary by offer and jurisdictionPaid only

20

Partial replacement

Wealthsimple

Bottom line: Canadian residents seeking $0 online commissions for listed Canadian and U.S. stocks and ETFs.

Keep

Brokerage
Watchlist

Gain

Portfolio
Options
Downloadable Tax Reports

Lose

Wealth Management
Cryptos coverage

Watch out

Avoid as a full replacement if you rely on market monitoring.
Free-plan limits: Signup required. An approved Canadian-resident brokerage account is required. Currency conversion, index-option, exercise, instant-withdrawal and product costs can apply.
Canada-only eligibility: Individual applicants must reside in Canada and meet provincial or territorial age-of-majority requirements.

Cost: Paid only; Transaction-priced · Fees vary by offer and jurisdiction

Fit: Partial replacement

Open Wealthsimple Compare

Full review and details

What This Shortlist Tells You

Revolut (Invest) is the closest drop-in replacement with overlapping coverage in Brokerage, Wealth Management, and Watchlist while adding Portfolio and Alerts coverage and Revolut's US stock page lists 4,000+ US-listed stocks, with stock orders starting from $1; available assets vary by country. and In Spain, Standard and Plus include 0 commission-free orders, Premium 5, and Metal or Ultra 10 across stocks, ETPs, and bonds. Extra orders cost €1 each. features (workflow overlap ~100%).

Budget-conscious? Try Koyfin, Perplexity Finance, and TC2000 to get started without a paid plan.

Round out your stack with new coverage areas like Portfolio, Alerts, News, and ETF Analysis.

Coverage Snapshot

Where alternatives already align

Most shared categories across the top matches.

Brokerage×18 Watchlist×18 Wealth Management×4

New angles introduced

Categories the alternatives add beyond N26.

Portfolio+19 Downloadable Tax Reports+11 Options+10 Advanced Order Types+9 News+8 Alerts+5 Screeners+5 Calendar+4

Access & Pricing

Free to start

3/20

3 of 20 start free, which N26 does not.

Paid plans from

$20/mo

Perplexity Finance is the cheapest listed monthly upgrade. No comparable monthly price is listed for N26.

Mobile app

20 of 20

20 have a mobile app, like N26.

API access

5 of 20

5 expose an API or data feed, usually on a paid plan.

Hands-on tested

4 of 20

4 tested hands-on. 4 are analyst picks.

Coverage overlap

67%

Average share of N26 categories each alternative covers.

Frequently Asked Questions

What are the best alternatives to N26?

Revolut (Invest), Scalable Capital, and Interactive Brokers (IBKR) share the most workflows with N26, in that order. Start with the one whose Keep list matches what you use daily.

Which alternatives keep a free tier?

Koyfin, Perplexity Finance, and TC2000 start free, so you can test them before paying. Check each card for signup and usage limits on the free plan.

Which workflows do the top N26 alternatives cover?

Between them the top matches cover Brokerage, Watchlist, and Wealth Management. N26 workflows in those areas move over as they are. The Lose column on each card names what does not.

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Feedback

Missing an alternative, or is a listing out of date? Tell me and I will look.

Curation & Accuracy

This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).

Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.