Head to head · 2026
N26 Mastercard vs Revolut Card
How these two credit cards stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
Revolut Card is the stronger pick for most expats.
- Foreign transaction fee: None vs 1.70%
N26
N26 Mastercard
Free debit Mastercard from German neobank N26. Excellent app, no foreign transaction fees in eurozone. Great for everyday spending and travel within Europe.
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Revolut
Our pickRevolut Card
Popular fintech card with interbank exchange rates. Free foreign currency exchange up to €1000/month. Great multi-currency app for travelers and expats.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
N26 Mastercard
What we like
- No annual fee
- No fees in eurozone
- Excellent mobile app
- Instant notifications
- Free ATM withdrawals (limited)
What to consider
- Debit card, not true credit
- ATM withdrawal limits on free tier
- 1.7% fee outside eurozone
- No rewards program
Revolut Card
What we like
- No annual fee (Standard plan)
- Interbank exchange rates
- Multi-currency accounts
- Excellent travel features
- €20 welcome bonus
What to consider
- Not a true credit card
- Exchange limits on free tier
- 2% markup on weekends
- Customer support can be slow
Frequently asked
Is N26 Mastercard or Revolut Card better for expats in the Netherlands?
Revolut Card is the stronger all-round pick for most expats. Foreign transaction fee: None vs 1.70%
Which card has lower fees abroad, N26 Mastercard or Revolut Card?
Revolut Card is cheaper abroad, with a 0% foreign transaction fee.
Do N26 Mastercard and Revolut Card require a BKR credit check?
N26 Mastercard does not require a BKR credit check, and Revolut Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.