Tool Comparison
N26 vs Wealthsimple
- Paid from
- —
- Free plan
- No
- Platforms
- Mobile
Best if
- You want wealth management.
- Paid from
- —
- Free plan
- No
- Platforms
- Web, Mobile
Best if
- You want portfolio, options, and downloadable tax reports.
Pick N26 if
N26
Transaction-priced · Fees vary by offer and jurisdiction · Mobile
- You want wealth management.
Pick Wealthsimple if
Wealthsimple
Transaction-priced · Fees vary by offer and jurisdiction · Web · Mobile
- You want portfolio, options, and downloadable tax reports.
Skip both if: Neither one clicks with how you research; there are strong third options.
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Our take
The bottom line
N26 and Wealthsimple cover a lot of the same ground (2 shared categories, brokerage and watchlist), so for the basics you won't go far wrong with either. N26 includes wealth management, and Wealthsimple includes portfolio and options.
What readers say
N26
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Wealthsimple
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What N26 does best
- Stock and ETF trading inside the N26 mobile app where eligible, with transaction pricing and plan allowances per country.
- Fractional investing from as little as 1 euro, including recurring investment plans on supported schedules.
- Automated investment plans run weekly, bi-weekly, monthly, or quarterly for eligible stocks and ETFs.
- More than 5,000 stocks, ETFs, and ETCs on the current Spain product page.
- Ready-made BlackRock funds in Mindful, Balanced, and Ambitious profiles where fund investing is available.
What Wealthsimple does best
- Canadian and U.S. listed stocks and ETFs with $0 stated online commission.
- Supported stock and ETF fractional market orders from $1.
- TFSA, FHSA, RRSP, spousal RRSP, RRIF, LIRA, LIF, RESP and non-registered trading accounts.
- CAD and optional USD accounts with separate currency-conversion rules.
- Listed equity and ETF options with $0 standard contract fees, subject to specialized charges.
Side by side
Pricing comparison
See for yourself
Side by side
Price, platforms, data, and market coverage.ShowHide
Side by side
| Attribute | ||
|---|---|---|
| Pricing & plans | ||
Starting price | Transaction-priced · Fees vary by offer and jurisdiction | Transaction-priced · Fees vary by offer and jurisdiction |
Free tier | No | No |
Free trial | — | — |
Plan limits | 5 limits: Standard (Spain): stock etf etc trade fee eur: 0.9, Smart (Spain): stock etf etc trade fee eur: 0.9 +3 more | — |
| Platforms & access | ||
Web app | No | Yes |
Mobile app | Yes | Yes |
API access | No | No |
Broker sync | No | — |
Integrations | Upvest Securities GmbH and Bitpanda Asset Management GmbH | — |
| Audience & fit | ||
Experience level | Beginner, Intermediate, Advanced | Beginner, Intermediate, Advanced |
Best for | — | — |
Categories covered | 3 | 5 |
Regions | Europe | North America |
| Data & capabilities | ||
Data quality | Timezone: Europe/Berlin | — |
| Try it | Visit N26 | Visit Wealthsimple |
Standout features
The best features of N26 and Wealthsimple.ShowHide
Standout features
What N26 does best
- Stock and ETF trading inside the N26 mobile app where eligible, with transaction pricing and plan allowances per country.
- Fractional investing from as little as 1 euro, including recurring investment plans on supported schedules.
- Automated investment plans run weekly, bi-weekly, monthly, or quarterly for eligible stocks and ETFs.
- More than 5,000 stocks, ETFs, and ETCs on the current Spain product page.
- Ready-made BlackRock funds in Mindful, Balanced, and Ambitious profiles where fund investing is available.
What Wealthsimple does best
- Canadian and U.S. listed stocks and ETFs with $0 stated online commission.
- Supported stock and ETF fractional market orders from $1.
- TFSA, FHSA, RRSP, spousal RRSP, RRIF, LIRA, LIF, RESP and non-registered trading accounts.
- CAD and optional USD accounts with separate currency-conversion rules.
- Listed equity and ETF options with $0 standard contract fees, subject to specialized charges.
All details
Every attribute we track for N26 and Wealthsimple.ShowHide
All details
| Attribute | ||
|---|---|---|
| Coverage & fit | ||
Asset types | StocksETFsCryptos | StocksETFsOptionsCommodities |
Experience | BeginnerIntermediateAdvanced | BeginnerIntermediateAdvanced |
Regions | Europe | North America |
Coverage details | 18 countriesIdentifiers: ISIN and Ticker | Countries: CAIdentifiers: Ticker |
| Access & integrations | ||
Integrations | Upvest Securities GmbHBitpanda Asset Management GmbH | Not specified |
Export formats | Not specified | CSVPDF |
| Plans & trust | ||
Vendor & support | N26 SECountry: GermanyFounded 2013Support: Email and Chat | Wealthsimple Investments Inc.Country: CanadaSupport: Chat, Phone, and Email |
Curation ratings | Methodology 4/5Reliability 4/5UX 4/5 | Not specified |
Green tags are exclusive to that tool in this comparison.
Pricing
Plans, billing, free trials, and monthly prices.ShowHide
Pricing
| Tier | ||
|---|---|---|
| Free plan | Free“Standard (Spain)”stock etf etc trade fee eur: 0.9 | Free“Core self-directed brokerage” |
| Entry paid plan | €4.90/mo“Smart (Spain)”stock etf etc trade fee eur: 0.9 · spaces: 10 | — |
| Tier 2 | €9.90/mo“Go (Spain)”free trades per month: 3 | — |
| Top plan | €16.90/mo“Metal (Spain)”free trades per month: 10 | — |
Alternatives
Free alternatives
Questions we keep getting
What's the difference between N26 and Wealthsimple?
N26 leans toward brokerage, wealth management, and watchlist, while Wealthsimple puts more weight on brokerage, portfolio, and watchlist. They overlap in 2 categories, so for most people it comes down to workflow preference and price.
How much do N26 and Wealthsimple cost?
Neither has a free plan; you'll need a paid subscription for the full feature set of either. Check each tool's current plan details before buying.
Should I choose N26 or Wealthsimple?
It depends on what you're after. Pick N26 if wealth management matter to you; go with Wealthsimple if you'd rather have portfolio and options. And if you only need the basics both share, let price decide.
What asset classes do N26 and Wealthsimple cover?
Both cover stocks and ETFs. N26 also handles cryptos. Wealthsimple adds options and commodities on top.
Which covers international markets: N26 or Wealthsimple?
N26 has documented international coverage (Europe), so it's the safer bet if you hold non-US stocks. Wealthsimple is more region-specific, mainly North America.
Can I export data from N26 and Wealthsimple?
Wealthsimple exports to CSV. N26 is stingier about getting data out.
Can I track my portfolio with N26 or Wealthsimple?
Wealthsimple handles portfolio tracking. N26 is really a research tool; you'd track your portfolio elsewhere.
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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.