WorldFirst Logo

WorldFirst

UK-based WorldFirst is an N26 competitor that lets you sign up as an individual, a business or an online seller. With the World Account, you get bank account details in various currencies. Access to its region-specific websites comes in different languages.

Pros

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Provides services for individuals, businesses and online sellers
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Headquarters in the UK, international offices in the Netherlands, Japan and Singapore
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Applies transfer amount transparent margins over existing mid-market/real exchange rates
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Provides forward contracts
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Setting up scheduled transfers is easy
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Sign up for the World Account and get bank accounts in GBP, EUR, USD, CAD, AUD, NZD and JPY
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Integrating Xero with the World Account is simple
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Transfer funds online or over the phone
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Operates multilingual region-specific websites

Cons

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Region-specific sending limits
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No card with the World Account
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Does not accept customers from the U.S.

TransferWise Logo

TransferWise

If you are looking for N26 alternatives in the international money transfer space, UK-based TransferWise is among the leading contenders. You can sign up with this company as an individual, a business or an online seller. Its Borderless Account for businesses and online sellers comes with bank account details in different currencies. The Borderless Account also comes with a linked Mastercard. You can use the company's region-specific websites in different languages. 

Pros

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Serves individuals, businesses and online sellers
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Headquartered in the UK, offices also in the U.S., Estonia, Hungary, Ukraine, Singapore and Hong Kong
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Accepts credit card payments from residents of some countries
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Get bank account details in GBP, EUR, USD, PLN, AUD and NZD when you register for the Borderless Account
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Access funds in your Borderless Account globally by using the TransferWise Mastercard
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Hold funds and transact in over 40 currencies by using the Borderless Account

Cons

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Its peer-to-peer (P2P) network does not support all currency corridors
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No hedging tools and scheduled transfers
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The fee you need to pay depends on where you and the recipient live, the mode of payment as well as the transfer method

Payoneer Logo

Payoneer

Payoneer is a U.S.-based N26 alternative that serves individuals and businesses. However, where you live has a bearing on whether you can use its services to send and/or receive payments. Business customers get bank account details in different currencies through the Global Payment Service. 

Pros

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U.S.-based, offices also in the UK, Australia and Gibraltar
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Accepts credit card payments
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The Global Payment Service offers bank account details in GBP, EUR, USD, CAD, AUD, CNY and JPY
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Hold funds and transacts in multiple currencies
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Provides a Mastercard for easy access to funds in your account
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Multilingual website

Cons

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Allows transfers only between Payoneer users
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The option to send money is not available in all countries
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You need to pay an annual fee for the Mastercard

OFX Logo

OFX

This alternative to N26 has its headquarters in Australia. OFX provides services for individuals, businesses and online sellers. Signing up for the Global Currency Account gives you access to bank account details in multiple currencies. While OFX operates different region-specific websites, you can only access them in English.

Pros

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Register as an individual, a business or an online seller
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Australia-based, offices also in the U.S., Canada, New Zealand, the UK and Singapore
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Personal transfers are fee-free
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Provides forward contracts and market orders
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Lets you schedule transfers
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The Global Currency Account comes with bank accounts in GBP, EUR, USD, CAD, AUD and HKD
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Send money online or over the phone
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Local phone support provided in some countries

Cons

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No card provided with the Global Currency Account
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Trading in some currencies is allowed only over the phone
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Website access only in English