N26 Business vs Revolut Business: Complete Comparison (2026)
An in-depth comparison of N26 Business and Revolut Business to help you choose the right tool for your business.
Last updated: November 2026
N26 Business
5.2/10
A mobile-first euro business bank account from Berlin-based N26 for freelancers and sole traders in supported EU countries, with debit cards, cashback and budgeting Spaces.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.2/10 | 6.4/10 |
| Scalability | 2/10 | 7/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 5/10 | 6/10 |
| Integration | 3/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 4/10 | 4/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €5/mo Business Smart | £10/mo Basic |
| Estimated cost for 10 users | Free Business Standard | £10/mo Basic |
| Features | ||
| Invoicing | ||
| Multi-currency | ||
| Corporate Cards | ||
| Accounts Payable | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Online Payments | Not listed | |
N26 Business vs Revolut Business cost by team size
| Team size | N26 Business | Revolut Business |
|---|---|---|
| 1 user | FreeBusiness Standard | £10/moBasic |
| 5 users | FreeBusiness Standard | £10/moBasic |
| 10 users | FreeBusiness Standard | £10/moBasic |
| 25 users | FreeBusiness Standard | £10/moBasic |
| 50 users | FreeBusiness Standard | £10/moBasic |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose N26 Business
- Has a free plan (Revolut Business does not)
- Higher Cost score (8/10 vs 6/10)
- Better fit for freelancers (8/10 vs 4/10)
Why choose Revolut Business
- Higher Scalability score (7/10 vs 2/10)
- Higher Integration score (7/10 vs 3/10)
- Better fit for small business (7/10 vs 4/10)
- Includes Invoicing, which N26 Business lacks
- Includes Multi-currency, which N26 Business lacks
Pros & Cons
N26 Business
Pros
- The Standard plan has no monthly fee and includes a virtual card plus 0.1% cashback.
- Card payments in foreign currencies carry no surcharge on any plan.
- Spaces sub-accounts and budgeting rules help freelancers set aside money for tax.
- Metal pays 0.5% cashback and includes purchase and phone insurance.
Cons
- There is no invoicing, no native DATEV link, and no HBCI or EBICS support.
- The account holds euros only and has no foreign-currency transfers in the app.
- Companies such as GmbH or UG cannot open an account, and the company name cannot appear on the account or card.
- Basic-plan customers get no phone support, and Trustpilot users report account freezes and rejected applications.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 5.2/10 for N26 Business. The largest gap is in Scalability: 2/10 for N26 Business and 7/10 for Revolut Business.
N26 Business has a free plan; Revolut Business does not list one.
N26 Business is the better fit for freelancers: we rate it 8/10 for them, against 4/10 for Revolut Business.
Revolut Business has Invoicing and Multi-currency, which N26 Business lacks.
