C24 vs N26 Bank In Germany [2025 English Guide]

C24 vs. N26 Bank Summary

• 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. N26 bank* removed most of its services from the free plan. Thus, it’s not the best free bank account option on the market. If you are okay to pay 4.9€ per month, N26 is a good option.
• N26 doesn’t offer phone customer support in its free plan. C24 offers customer support via phone, email, and in-app chat.
• The unique selling point of C24 is the joining bonus of 75 € and 1.75% interest on the checking account. N26 doesn’t offer interest on checking accounts. You must open a savings account instead. Moreover, the interest rate is only 1% in the free plan.
• 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. N26 offers banking in both German and English.

Parameter	Weightage	N26 (Score out of 10)	👑 C24 (Winner) (Score out of 10)
Customer service	20%	3	⭐ 8
Ease to open an account	10%	= 10	= 10
English support	20%	⭐ 10	0
Fees	20%	7	⭐ 9
Real-time transfer	5%	5	⭐ 10
Overdraft facility	5%	5	⭐ 10
Technology	10%	9	⭐ 10
Special features	10%	7	⭐ 9
Overall score		6.1	⭐ 7.3
To the provider		N26*	C24*

As you can see, C24 is the winner in all the categories except English support. C24 free checking account is the best free banking account in the market as of 2025.

If you are fine with paying 4.9€ per month, the N26 Smart bank account* is also a good option.

Table of Contents

C24 vs. N26 – Customer service

	👑 C24 (Winner)	N26
Overall Score out of 10	⭐ 7.3	6.1
Customer support channels	⭐ In-app chat, telephone, and email	In-app chat only (for free plans)
Rating on Trustpilot	⭐ 4.8 out of 5 (12,365 reviews)	3.5 out of 5 (32,582 reviews)
Rating on Finanzfluss	⭐ 3.5 out of 5 (223 reviews)	2.8 out of 5 (300 reviews)
Positive reviews
Opening a bank account	✔️ Within a few minutes	✔️ Within a few minutes
Moving an account	✔️⭐	✖️
Amazing mobile app	✔️	✔️
Pockets (subaccounts)	✔️⭐ 4 (in free plan)	✖️ Not available in the free plan
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
To the provider	C24*	N26*

C24 vs. N26 – Ease to open an account

	👑 C24 (Winner)	N26
Score	10	10
Number of ways to verify yourself	⭐ 3: Video Ident, Going to a post office, Verifying using an existing German bank account	2: Video Ident, Going to a post office
To the provider	C24*	N26*

C24 vs. N26 – Checking account and other fees

	👑 C24 (Winner)	N26
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	2
ATM withdrawal fee after exhausting free withdrawals	2 € per withdrawal	2 € per withdrawal
ATM withdrawal within or outside Europe	Within EU: Same as in Germany ⭐ Outside EU: Same as in Germany	⭐ Within EU: Unlimited free withdrawal Outside EU: 1.7% exchange rate fee
Payment within Europe	✔️ 0 €	✔️ 0 €
Payments outside Europe	✔️ 0 €	✔️ 0 €
To the provider	C24*	N26*

C24 vs. N26 – Overdraft facility

	👑 C24 (Winner)	N26
Score	⭐ 10	5
Offers overdraft facility	Yes	Yes
Interest in overdraft facility	⭐ 7.49% to 11.49%	13.4%
To the provider	C24*	N26*

C24 vs. N26 – Banking app and online banking

	👑 C24 (Winner)	N26
Score	⭐ 10	9
Playstore rating	4.8 (42.8k people reviewed it)	4.2 (143k people reviewed it)
Appstore rating	4.8 (47.1k people reviewed it)	4.8 (137k people reviewed it)
Customer feedback	Positive	Positive
To the provider	C24*	N26*

C24 vs. N26 – Checking account’s features you’ll love

	👑 C24 (Winner)	N26
Score	⭐ 9	5
Language	🇩🇪	⭐ 🇩🇪 🇺🇸
Cashback on card transactions	✔️⭐ 0.5%	✖️ (business account only)
Cashback on partner companies	✔️⭐	✖️ (only in paid plans)
Pockets / Sub-accounts	✔️⭐ 4 (in free plan)	✖️ (only in paid plans)
Joint accounts	✔️ Free	✔️ Free
Spending analysis and automatic savings options	✔️	✔️
Free trading account	✖️	✔️⭐
To the provider	C24*	N26*

C24 vs. N26 – How safe is your money with these banks?

	C24	N26
Score	= 10	= 10
Have a banking license?	✔️	✔️
Registered with BaFin	✔️	✔️
Deposit security insurance	✔️ 100,000 €	✔️ 100,000 €
IBAN	✔️ 🇩🇪	✔️ 🇩🇪
To the provider	C24*	N26*

C24 vs N26 – Conclusion, which account is better?

Nowadays, many banks offer free checking accounts. Thus, the verdict is based on the performance of C24 and N26’s free checking accounts.

Both C24 and N26 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, N26 offers services in both English and German.

However, N26 is not the best option as its free plan doesn’t offer many services like sub-accounts, cashback, interest, customer care on phone, etc. On the other hand C24 does.

So, C24* is the clear winner here. But if English banking is a must for you, then you can consider N26* or Revolut.