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N26

N26

European Mobile Banking

VS

dLocal

Emerging Markets

dLocal
Fees from
Free basic account, premium from €4.90/month vs 3-7% all-inclusive
Features

0 shared

2 unique to N26 · 2 unique to dLocal
Regions

0 shared

1 unique to N26 · 4 unique to dLocal
Pay methods

2 shared

5 unique to N26 · 8 unique to dLocal
On licensing

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Show full specs
4 features · 15 payment methods · 5 regions. We don't rank these — they're here for reference.
N26 N26
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Free basic account, premium from €4.90/month
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2013
2016
Headquarters
Berlin, Germany
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 7)
Amex Unique
—
✓
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Google Pay Unique
✓
—
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Samsung Pay Unique
✓
—
Sepa Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

N26 is best when you...

European Mobile Banking
Need Low Fees
Not available with dLocal
Need Startup Friendly
Not available with dLocal
Want coverage in Europe
dLocal doesn't cover this region
View N26

dLocal is best when you...

Emerging Markets
Need Enterprise
Not available with N26
Need Instant Payout
Not available with N26
Want coverage in Africa, Asia, Latin America, Middle East
N26 doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between N26 and dLocal?
They share 2 payment methods and 0 regions. N26 adds Apple Pay, Debit Card, Google Pay and 2 more that dLocal does not list; dLocal adds Amex, Boleto, Cash and 5 more that N26 does not list; N26 also covers Europe; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, N26 or dLocal?
N26 has published rates from Free basic account, premium from €4.90/month; dLocal has published rates from 3-7% all-inclusive. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use N26 and dLocal?
N26 lists 1 region and 7 payment methods; dLocal lists 4 and 10. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do N26 and dLocal compare on integration and settlement?
dLocal offers a sandbox, N26 does not list one; both support webhooks; dLocal publishes a settlement time of 2–7 business days.

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