VOL. XCIV, NO. 247

★ FINANCIAL TOOLS & SERVICES DIRECTORY ★

PRICE: 5 CENTS

Sunday, October 5, 2025

View N26View SmartkarmaBack to Home

Head-to-head

N26 vs Smartkarma comparison

Compare pricing, supported platforms, categories, and standout capabilities to decide which tool fits your workflow.

Quick takeaways

N26 adds Brokerage, and Wealth Management coverage that Smartkarma skips.

Smartkarma includes Stock Ideas, Screeners, News, Alerts, Calendar, AI, Videos, Newsletters, and Blogs categories that N26 omits.

N26 highlights: Unlimited commission-free trading in stocks and ETFs for all customers., Fractional investing available from as little as €1, with free recurring investment plans., and Access to thousands of instruments (3,000–4,000 depending on market)..

Smartkarma is known for: AI-augmented research hub delivering real-time, actionable insights with direct access to top-ranked analysts., SmartScore Screener covers five factors—Value, Dividend, Growth, Resilience, and Momentum—with filters by country, sector, and market cap., and Relative Value tool highlights HoldCo and share-class pair opportunities, with proprietary Actionability/Investability scores and z-score diagnostics..

N26 logo

N26

n26.com

Mobile-first bank with built-in investing. Customers can trade stocks, ETFs, and crypto directly in the app. Stock and ETF trades are free across all plans, with fractional investing and recurring plans available. Ready-made funds are powered by BlackRock, while crypto trading is supported by Bitpanda. Fees vary by asset and plan tier, and availability depends on country of residence.

Platforms

Mobile

Pricing

Free
Subscription

Quick highlights

  • Unlimited commission-free trading in stocks and ETFs for all customers.
  • Fractional investing available from as little as €1, with free recurring investment plans.
  • Access to thousands of instruments (3,000–4,000 depending on market).
  • Automated investment plans offered on weekly, bi-weekly, monthly, or quarterly schedules.
  • Ready-made funds managed by BlackRock, offered in three profiles: Mindful, Balanced, and Ambitious.

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Smartkarma logo

Smartkarma

smartkarma.com

An AI-augmented investment intelligence platform that combines independent research, data tools, and real-time alerts. Access is plan-gated: the flagship Pro Platform costs USD 10,950/year per user and is available to accredited or professional investors; Premium and Data subscriptions are available on request, while separate offerings exist for Corporate Digital IR and Plus platforms. Mobile apps are available for iOS and Android.

Platforms

Web
Mobile

Pricing

Free
Subscription

Quick highlights

  • AI-augmented research hub delivering real-time, actionable insights with direct access to top-ranked analysts.
  • SmartScore Screener covers five factors—Value, Dividend, Growth, Resilience, and Momentum—with filters by country, sector, and market cap.
  • Relative Value tool highlights HoldCo and share-class pair opportunities, with proprietary Actionability/Investability scores and z-score diagnostics.
  • Personalised watchlists and real-time notifications, with opt-in email alerts when relevant insights are published.
  • Research is distributed simultaneously on the platform, via alerts/email, and syndicated to Bloomberg Terminal.

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Overlap

Shared focus areas

1 overlap

Both tools cover this research theme.

Where they differ

N26

Distinct strengths include:

Brokerage
Wealth Management
  • Unlimited commission-free trading in stocks and ETFs for all customers.
  • Fractional investing available from as little as €1, with free recurring investment plans.
  • Access to thousands of instruments (3,000–4,000 depending on market).
  • Automated investment plans offered on weekly, bi-weekly, monthly, or quarterly schedules.

Smartkarma

Distinct strengths include:

Stock Ideas
Screeners
News
Alerts
Calendar
AI
Videos
Newsletters
  • AI-augmented research hub delivering real-time, actionable insights with direct access to top-ranked analysts.
  • SmartScore Screener covers five factors—Value, Dividend, Growth, Resilience, and Momentum—with filters by country, sector, and market cap.
  • Relative Value tool highlights HoldCo and share-class pair opportunities, with proprietary Actionability/Investability scores and z-score diagnostics.
  • Personalised watchlists and real-time notifications, with opt-in email alerts when relevant insights are published.

Feature-by-feature breakdown

AttributeN26Smartkarma
Categories

Which research workflows each platform targets

Shared: Watchlist

Unique: Brokerage, Wealth Management

Shared: Watchlist

Unique: Stock Ideas, Screeners, News, Alerts, Calendar, AI, Videos, Newsletters, Blogs

Asset types

Supported asset classes and universes

Stocks, ETFs, Cryptos

Stocks, ETFs, Bonds, Currencies, Cryptos

Experience levels

Who each product is built for

Beginner, Intermediate, Advanced

Beginner, Intermediate, Advanced

Platforms

Where you can access the product

Mobile

Web, Mobile

Pricing

High-level pricing models

Free, Subscription

Free, Subscription

Key features

Core capabilities called out by each vendor

Unique

  • Unlimited commission-free trading in stocks and ETFs for all customers.
  • Fractional investing available from as little as €1, with free recurring investment plans.
  • Access to thousands of instruments (3,000–4,000 depending on market).
  • Automated investment plans offered on weekly, bi-weekly, monthly, or quarterly schedules.
  • Ready-made funds managed by BlackRock, offered in three profiles: Mindful, Balanced, and Ambitious.
  • Platform fees for BlackRock funds vary by plan tier, ranging from 0.59% (Standard) down to 0.29% (Metal), charged monthly.

Unique

  • AI-augmented research hub delivering real-time, actionable insights with direct access to top-ranked analysts.
  • SmartScore Screener covers five factors—Value, Dividend, Growth, Resilience, and Momentum—with filters by country, sector, and market cap.
  • Relative Value tool highlights HoldCo and share-class pair opportunities, with proprietary Actionability/Investability scores and z-score diagnostics.
  • Personalised watchlists and real-time notifications, with opt-in email alerts when relevant insights are published.
  • Research is distributed simultaneously on the platform, via alerts/email, and syndicated to Bloomberg Terminal.
  • Additional investment tools include FX, rates and macroeconomic calendars, and crypto dashboards.
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Frequently Asked Questions

Which workflows do N26 and Smartkarma both support?

Both platforms cover Watchlist workflows, so you can research those use cases in either tool before digging into the feature differences below.

Do N26 and Smartkarma require subscriptions?

Both N26 and Smartkarma keep freemium access with optional paid upgrades, so you can trial each platform before committing.

How can you access N26 and Smartkarma?

Both N26 and Smartkarma support web and mobile access, making it easy to keep tabs on research away from the desk.

What unique strengths set the two platforms apart?

N26 differentiates itself with Unlimited commission-free trading in stocks and ETFs for all customers., Fractional investing available from as little as €1, with free recurring investment plans., and Access to thousands of instruments (3,000–4,000 depending on market)., whereas Smartkarma stands out for AI-augmented research hub delivering real-time, actionable insights with direct access to top-ranked analysts., SmartScore Screener covers five factors—Value, Dividend, Growth, Resilience, and Momentum—with filters by country, sector, and market cap., and Relative Value tool highlights HoldCo and share-class pair opportunities, with proprietary Actionability/Investability scores and z-score diagnostics..

Keep exploring

Stay on top of related tools

Browse the categories and profiles that overlap most with this comparison to round out your shortlist.

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.