The best financial apps for Germany at a glance
The market for mobile banking apps is growing fast. But which providers really deliver? We put the four best-known apps for the German market through their paces.
1. N26 — The solid all-rounder
N26 scores with a German IBAN, a clear app and reliable customer support. The standard account is free, and the premium plans add travel insurance and extended withdrawal options.
- Best for: everyday banking, main account
- Cost: from €0/month
2. Revolut — The travel champion
Revolut offers currency exchange at interbank rates, cryptocurrencies, savings plans and much more. For frequent travellers, Revolut is hard to beat.
- Best for: travel, foreign currencies, budget management
- Cost: from €0/month
3. Wise — The international transfer specialist
Wise (formerly TransferWise) is renowned for cheap international transfers. With a multi-currency IBAN you can receive payments in over 40 currencies — perfect for freelancers and expats.
- Best for: international transfers, freelancers, expats
- Cost: one-time account fee, then ~0.4% per transfer
4. Vivid Money — Cashback for everyday spending
Vivid Money combines a current account, stock brokerage and cashback programme. The standard plan offers up to 2% cashback at selected partners.
- Best for: cashback, investment beginners
- Cost: from €0/month
Our recommendation
If you only want one account: N26 for everyday German banking. If you travel often or work internationally: Revolut + Wise as a combination. All four apps are free and set up in minutes.