Revolut offer interbank exchange rates while N26 uses MasterCards exchange rates with no markup. I’ve been using Revolut for years now and am a big fan. I’ve recently moved my current account completely over to N26 Black so was interested to see how the exchange rates compared between Revolut and N26.
I have only made three comparative transaction with both Revolut and N26 so it is not exactly an exhaustive study. In two of the three transactions N26 was cheaper but they were all very similar prices.
At these price differences I’m no longer going to use my Revolut card instead use my N26 Black card for currency conversions with my Revolut Card as my backup. I haven’t tried out ATM withdrawal conversion rates yet with N26 but will try and do so soon. Overall, while there are some rate differences between Revolut and N26 they’re not big enough to really worry about – both will save you considerable money compared to using your standard Irish Bank debit or credit card.
In the interest of full-disclosure, links to N26 are affiliate links. Should you click through to N26 via my affiliate link and sign up to their bank account I will receive a small commission payment. These affiliate payments have no impact on my reviewing of the product. If you believe I have been influenced by the potential commission when reviewing a product please call me out.