VOL. XCIV, NO. 247
★ FINANCIAL TOOLS & SERVICES DIRECTORY ★
PRICE: 5 CENTS
Saturday, September 27, 2025
Investors comparing N26 and Wise (Interest & Stocks) will find that Both N26 and Wise (Interest & Stocks) concentrate on Wealth Management workflows, making them natural alternatives for similar investment research jobs. N26 leans into Brokerage, and Watchlist, which can be decisive for teams that need depth over breadth. Wise (Interest & Stocks) stands out with Downloadable Tax Reports, and APIs & SDKs that the competition lacks. Use the feature-by-feature table to inspect unique capabilities and confirm which roadmap best maps to your process.
Head-to-head
N26 vs Wise (Interest & Stocks)
Compare pricing, supported platforms, categories, and standout capabilities to decide which tool fits your workflow.
Quick takeaways
- N26 adds Brokerage, and Watchlist coverage that Wise (Interest & Stocks) skips.
- Wise (Interest & Stocks) includes Downloadable Tax Reports, and APIs & SDKs 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)..
- Wise (Interest & Stocks) is known for: Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk., Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically., and Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change..
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.
Categories
Platforms
Pricing
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.
Wise (Interest & Stocks)
wise.com
Investing features vary by country. In the UK/EEA, Interest allocates to government money-market funds; in the US, Interest is a bank program with pass-through FDIC insurance (not an investment). “Stocks” is a single BlackRock iShares World Equity Index mutual fund where available. Settlement speed (instant vs non-instant) and whether you invest from Balances or Jars differ by market. Fees are published per currency; Stocks adds a Wise service fee on top of the fund’s OCF.
Platforms
Pricing
Quick highlights
- Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk.
- Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically.
- Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change.
- Stocks includes a Wise service fee in addition to the fund’s ongoing charges.
- Availability, access speed (instant vs non-instant), and Balances vs Jars investing differ by country.
Shared focus areas
Both platforms align on these research themes, so you can stay within one workflow when your use case involves them.
Where they differ
N26
Distinct strengths include:
- 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.
Wise (Interest & Stocks)
Distinct strengths include:
- Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk.
- Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically.
- Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change.
- Stocks includes a Wise service fee in addition to the fund’s ongoing charges.
Feature-by-feature breakdown
| Attribute | N26 | Wise (Interest & Stocks) |
|---|---|---|
Categories Which research workflows each platform targets | Shared: Wealth Management Unique: Brokerage, Watchlist | Shared: Wealth Management Unique: Downloadable Tax Reports, APIs & SDKs |
Asset types Supported asset classes and universes | Stocks, ETFs, Cryptos | Mutual Funds, Currencies |
Experience levels Who each product is built for | Beginner, Intermediate, Advanced | Beginner, Intermediate, Advanced |
Platforms Where you can access the product | Mobile | Web, Mobile, API |
Pricing High-level pricing models | Free, Subscription | Free, Other |
Key features Core capabilities called out by each vendor | Unique
| Unique
|
Tested Verified by hands-on testing inside Find My Moat | Not yet | Not yet |
Editor pick Featured inside curated shortlists | Standard listing | Standard listing |
Frequently Asked Questions
Which workflows do N26 and Wise (Interest & Stocks) both support?
Both platforms cover Wealth Management workflows, so you can research those use cases in either tool before digging into the feature differences below.
Do N26 and Wise (Interest & Stocks) require subscriptions?
Both N26 and Wise (Interest & Stocks) keep freemium access with optional paid upgrades, so you can trial each platform before committing.
How can you access N26 and Wise (Interest & Stocks)?
Both N26 and Wise (Interest & Stocks) 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 Wise (Interest & Stocks) stands out for Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk., Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically., and Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change..
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.