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Swan

Swan

European Embedded Banking

VS

N26

European Mobile Banking

N26
Fees from
Per-transaction pricing vs Free basic account, premium from €4.90/month
Features

1 shared

1 unique to Swan · 1 unique to N26
Regions

1 shared

Pay methods

3 shared

2 unique to Swan · 4 unique to N26
On fees

Swan publishes Per-transaction pricing from. N26 publishes Free basic account, premium from €4.90/month from. Verify directly with each provider before signing.

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Show full specs
3 features · 9 payment methods · 1 regions. We don't rank these — they're here for reference.
Swan Swan
N26 N26
Quick Facts
Fees
Standard transaction rate
Per-transaction pricing
Free basic account, premium from €4.90/month
Settlement
Time to receive funds
1–3 business days
—
Founded
2019
2013
Headquarters
Paris, France
Berlin, Germany
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
N26 leads (7 vs 5)
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
✓
—
Debit Card
✓
✓
Direct Debit Unique
✓
—
Google Pay Unique
—
✓
Mastercard Unique
—
✓
Samsung Pay Unique
—
✓
Sepa
✓
✓
Regions
Europe
✓
✓

Swan is best when you...

European Embedded Banking
Need Recurring Payments
Not available with N26
View Swan

N26 is best when you...

European Mobile Banking
Need Low Fees
Not available with Swan
View N26

Frequently Asked Questions

What is the difference between Swan and N26?
They share 3 payment methods and 1 region. Swan adds Credit Card, Direct Debit that N26 does not list; N26 adds Apple Pay, Google Pay, Mastercard and 1 more that Swan does not list; only Swan offers Recurring Payments; only N26 offers Low Fees.
Which is cheaper, Swan or N26?
Swan has published rates from Per-transaction pricing; N26 has published rates from Free basic account, premium from €4.90/month. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Swan and N26?
Swan lists 1 region and 5 payment methods; N26 lists 1 and 7. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Swan and N26 compare on integration and settlement?
Swan offers a sandbox, N26 does not list one; both support webhooks; Swan publishes a settlement time of 1–3 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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