C24 vs. Revolut Bank Summary
GermanPedia
6.9 out of 10
C24 Bank
06/2024
C24 offers a balanced, free checking account with all the important functions and transparent costs.
GermanPedia
7.5 out of 10
Revolut Bank
06/2024
Revolut is good as a secondary bank account. But we won’t consider it for a main account.
👑 Winner: C24 wins in all the categories except English support. Although Revolut has a higher overall score, we find C24 a better choice if the English banking app is not your priority.
- C24’s free checking account offers all the services you may need for daily banking. Thus, it’s a good option for your main checking account. Revolut is an option for a secondary bank account.
- Revolut doesn’t offer phone customer support, so we don’t find it the best option for a main bank account. C24 offers customer support via phone, email, and in-app chat.
- The unique selling point of C24 is the joining bonus of 75 € and interest on the checking account. Revolut doesn’t offer interest on checking accounts. You must open a daily account (Tagesgeldkonto) instead.
- The only shortcoming of C24 is that it is available in German only. So, it’s not the best option for people looking for English support. Revolut offers banking in both German and English.
| Parameter | Weightage | Revolut (Score out of 10) | C24 (Score out of 10) |
| Customer service | 20% | 4 | ⭐ 6 |
| Ease to open an account | 10% | 9 | ⭐ 10 |
| English support | 20% | ⭐ 10 | 0 |
| Fees | 20% | 7 | ⭐ 9 |
| Real-time transfer | 5% | = 10 | = 10 |
| Overdraft facility | 5% | 0 | ⭐ 10 |
| Technology | 10% | = 10 | = 10 |
| Special features | 10% | = 9 | = 9 |
| Overall score | ⭐ 7.5 | 6.9 | |
| To the provider | Revolut | C24* |
⭐ Winner in a particular category or feature
As you can see, C24 is the winner in all the categories except English support. This is why Revolut earned more points overall. Otherwise, a C24 free checking account is a better choice.
Table of Contents
C24 vs. Revolut – Customer service
| 👑 C24 (Winner) | Revolut | |
| Score | ⭐ 6 | 4 |
| Customer support channels | ⭐ In-app chat, telephone, and email | In-app chat |
| Rating on Trustpilot | 4.9 out of 5 (10,177 reviews) | 4.1 out of 5 (154,182 reviews) |
| Rating on Finanzfluss | 3.8 out of 5 (112 reviews) | 3.3 out of 5 (118 reviews) |
| Rating on Reviews.io | Not listed on Reviews.io | 1.2 out of 5 (683 reviews) (Rating of Revolut UK) |
| Positive reviews | ||
| Opening a bank account | ✔️ Within a few minutes | ✔️ Within a few minutes |
| Moving an account | ✔️⭐ | ✖️ |
| Amazing mobile app | ✔️ | ✔️ |
| Pockets (subaccounts) | ✔️ 4 to 8 | ✔️⭐ Unlimited |
| Paying with a card abroad | ✔️ No fees | ✔️ No fees |
| Negative reviews | ||
| Accounts were suddenly blocked | Yes | Yes |
| Transactions took longer than expected | Yes | ⭐ Didn’t find such a review |
| Standard replies on chat | Yes | Yes |
| Long waiting times when contacting customer care | Yes | Yes |
| Targetted by scammers | ⭐ No | Yes |
| To the provider | C24* | Revolut |
⭐ Winner in a particular category or feature
✔️ Offers the particular feature
C24 vs. Revolut – Ease to open an account
| 👑 C24 (Winner) | Revolut | |
| Score | ⭐ 10 | 9 |
| Number of ways to verify yourself | ⭐ 3: Video Ident, Going to a post office, Verifying using an existing German bank account | 1: Uploading an ID together with your video photograph. |
| To the provider | C24* | Revolut |
C24 vs. Revolut – Checking account and other fees
| 👑 C24 (Winner) | Revolut | |
| Score | ⭐ 9 | 7 |
| Account management fee | ✔️ 0 € | ✔️ 0 € |
| Girocard | ✔️⭐ 0 € | ✖️ Don’t offer a Girocard |
| Debit card | ✔️ 0 € | ✔️ 0 € |
| Credit card | ✖️ Don’t offer | ✖️ Don’t offer |
| Number of free ATM withdrawals per month | ⭐ 4 | Limited to 200 € per month or 5 ATM withdrawals |
| ATM withdrawal fee after exhausting free withdrawals | 2 € per withdrawal | 1 € or 2% of the withdrawal amount |
| ATM withdrawal within or outside Europe | ✔️ Same fees as in Germany | ✔️ Same fees as in Germany |
| Payment within Europe | ✔️ 0 € | ✔️ 0 € |
| Payments outside Europe | ⭐✔️ 0 € | ✔️ No fees for payments up to 1000 € per month. |
| To the provider | C24* | Revolut |
⭐ Winner in a particular category or feature
✔️ Offers the particular feature
C24 vs. Revolut – Overdraft facility
| 👑 C24 (Winner) | Revolut | |
| Score | ⭐ 10 | 0 |
| Offers overdraft facility | ⭐ Yes | No |
| Interest in overdraft facility | 7.49% to 11.49% | N.A. |
| To the provider | C24* | Revolut |
C24 vs. Revolut – Banking app and online banking
| C24 | Revolut | |
| Score | = 10 | = 10 |
| Playstore rating | 4.8 (30.8k people reviewed it) | 4.8 (2.8 million people reviewed it) |
| Appstore rating | 4.8 (33.1k people reviewed it) | 4.7 (45k people reviewed it) |
| Customer feedback | Positive | Positive |
| To the provider | C24* | Revolut |
C24 vs. Revolut – Checking account’s features you’ll love
| C24 | Revolut | |
| Score | = 9 | = 9 |
| Language | 🇩🇪 | 🇩🇪 🇺🇸 |
| Cashback on card transactions | ⭐✔️ 0.5% | ✔️ 0.1% (paid plans only) |
| Cashback on partner companies | ⭐✔️ | ✖️ |
| Cashback on accommodation bookings | ✖️ | ⭐✔️ 3% to 10% |
| Pockets / Sub-accounts | ✔️ 4 to 8 | ⭐✔️ Unlimited |
| Joint accounts | ✔️ Free | ✔️ Free |
| Spending analysis and automatic savings options | ✔️ | ✔️ |
| Free trading account | ✖️ | ⭐✔️ |
| To the provider | C24* | Revolut |
⭐ Winner in a particular category or feature
✔️ Offers the particular feature
C24 vs. Revolut – How safe is your money with these banks?
| C24 | Revolut | |
| Score | = 10 | = 10 |
| Have a banking license? | ✔️ | ✔️ |
| Registered with BaFin | ✔️ | ✔️ |
| Deposit security insurance | ✔️ 100,000 € | ✔️ 100,000 € |
| IBAN | ✔️ 🇩🇪 | ✔️ 🇩🇪 (Since 2022) |
| To the provider | C24* | Revolut |
✔️ Offers the particular feature
Conclusion C24 vs Revolut – Which account is better?
Nowadays, many banks offer free checking accounts. Thus, the verdict is based on the performance of C24 and Revolut’s free checking accounts.
Both C24 and Revolut offer their customers great banking apps with many features. However, C24’s free checking account offers better overall services to customers looking for a main bank account.
The only problem with C24 Bank is that it’s available only in German. On the other hand, Revolut offers services in both English and German. This gives Revolut an edge over C24.
However, Revolut is not the best option if you are looking for a main bank account in Germany. The reasons are limited ATM withdrawals, no cash deposit, no overdraft facility, the inability to contact customer care by phone, etc.
You can also open a free checking account in both banks (C24 and Revolut). Use them for a few months and decide which best suits your needs.
GermanPedia
6.9 out of 10
C24 Bank
06/2024
C24 offers a balanced, free checking account with all the important functions and transparent costs.
GermanPedia
7.5 out of 10
Revolut Bank
06/2024
Revolut is good as a secondary bank account. But we won’t consider it for a main account.
👑 Winner: C24 wins in all the categories except English support. Although Revolut has a higher overall score, we find C24 a better choice if the English banking app is not your priority.
