N26 vs Openbank

N26

• Pros:
  • Advanced app with positive user feedback.
  • Offers Spanish IBAN.
  • Good customer service.
  • Offers interest on savings.
  • Account protected by Germany deposit insurance scheme.
• Cons:
  • Glitches reported during account opening.
  • Concerns about blocked accounts.
  • Some users had issues with fund transfers.

Openbank

• Pros:
  • Owned by Santander, which may improve reliability.
  • Offers a credit card, which can be beneficial.
• Cons:
  • Some users reported difficulty receiving money.
  • Limited feedback compared to N26.

User Opinions

• Some users recommend N26 for simplicity, useful features, and good customer service.
• N26 offers interest on savings and protection by a deposit insurance scheme.
• N26 has had reports of glitches during account verification.
• Openbank, as an entity of Santander, may offer more reliability.
• Openbank was noted for offering a credit card, which some users find useful.
• User experiences with N26 varied, with some experiencing blocked accounts and glitches.
• Considerations around transferring larger sums to N26 were raised due to fees for international transfers.