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N26

N26

European Mobile Banking

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free basic account, premium from €4.90/month vs Custom
Features

1 shared

1 unique to N26 · 4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

5 shared

2 unique to N26 · 14 unique to A-Pay
On region

A-Pay covers 6 regions; N26 covers 1. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
N26 N26
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free basic account, premium from €4.90/month
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2013
2021
Headquarters
Berlin, Germany
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Samsung Pay Unique
✓
—
Sepa
✓
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

N26 is best when you...

European Mobile Banking
Need Low Fees
Not available with A-Pay
View N26

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with N26
Need High Risk Accepted
Not available with N26
Want coverage in Africa, Asia, Latin America, Middle East, Southeast Asia
N26 doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between N26 and A-Pay?
They share 5 payment methods and 1 region. N26 adds Debit Card, Samsung Pay that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 11 more that N26 does not list; A-Pay also covers Africa, Asia and 3 more; only N26 offers Low Fees.
Which is cheaper, N26 or A-Pay?
N26 has published rates from Free basic account, premium from €4.90/month; A-Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use N26 and A-Pay?
N26 lists 1 region and 7 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do N26 and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, N26 does not list one; both support webhooks; A-Pay publishes a settlement time of 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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