Reviews and Comparison of German Fintechs and Banks

Which is the best fintech and neobank on the market?

Kreditbearbeiter Robert von GIROMATCH "I help hundreds of people every day to find loans, cards, or accounts. See for yourself and get started without obligation."
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GIROMATCH Erfahrung

Representative example: Effective annual interest rate 4.62%, fixed borrowing rate 3.90% p.a., net loan amount €10,000, term 4 years, commission fee 1.25% of the net loan amount. Monthly installment €228.15, total cost: €10,951.07, subject to creditworthiness. Loan broker: GIROMATCH GmbH.

✳️✳️✳️✳️✳️

"Remarkable and consistently transparent process" - Tobias H., Sep. 2023

✳️✳️✳️✳️✳️

"Super fast. Friendly staff... Would love to do it again" - Janina R., Oct. 2023

✳️✳️✳️✳️✳️

"I am thrilled and completely satisfied" - Kerstin G., Aug. 2023

We test and compare for you

Neobanks are the new way of banking. With dozens of new banks and fintechs operating in the EU, millions of customers and billions of Euros in funding, there is a multitude of options to choose from. Whether early starters like Germany’s N26 Bank, the UKs Revolut or bunq operating from the Netherlands, choices are plenty.

With our regular comparisons of fintechs, neobanks and money institutions, we try to give you an overview of the European banking and Fintech market to make the best choice.

In order to do so, we open our own bank accounts with all the hip online banks and try them out ourselves.

How do we compare neobanks? We open our own accounts!

GIROMATCH reviews
Vivid or Tomorrow?

For each review we do, we test the bank account ourselves. This includes a full account opening, trying out the credit cards (or usually debit cards), look at the differen account models and features.

Every bank has its own special feature, to which we pay attention. N26 offers personal loans and credit limits, whereas Revolut is much better for international money transfers. Monese offers international payments as well, but in 14 different languages. Bunq is leading in number of features and Tomorrow has a focus on sustainability. And if you’re looking for crypto trading, is Vivid or Nuri the better option?

These are the features that we look out for and give you a quick wrap-up on. Now, on to the fintech and neobank reviews!

N26 vs. Revolut vs. Monese: The biggest European Neobanks compared

Revolut
Speed: 4,0
Account and cards: 4,0
Costs: 4,5
Features: 4,5
RATING
4,3 / 5
⭐⭐⭐⭐
06/2024
  • Free bank account with VISA-Card
  • 4 account models that can be cancelled at any time
  • Free cash withdrawal up to 200€ or 5 cash withdrawals per month
  • Disposable virtual credit cards for one-time payments
  • Easy exchange of cryptocurrencies and commodities
  • Fee-free currency exchange in 30 currencies up to 1000€ per month
Monese
Speed: 5,0
Account and cards: 4,0
Costs: 4,5
Service: 4,0
RATING
4,3 / 5
⭐⭐⭐⭐
06/2024
  • Instant account opening in 3 minutes
  • Free account with real-time transactions, debit card
  • Instantly generate virtual credit card
  • Support in 14 languages, incl. German, Turkish, Romanian, Polish and more
  • No address verification or credit check
  • International transactions in 19 different currencies
N26-Standard
Speed: 4,5
Account and Cards: 3,5
Costs: 3,5
Service and Features: 4,0
RATING
3,8 / 5
⭐⭐⭐⭐
06/2024
  • Open mobile current account in 8 minutes
  • Mastercard Debit credit card and Google Pay, Apple Pay
  • Use Cash26 network and withdraw money at 11,500 partner stores
  • Mobile banking: set savings goals, sort income and expenses, manage money better

bunq. vs. Tomorrow Bank: Which one is the more sustainable Neobank?

Tomorrow
Speed: 4,5
Accounts and cards: 4,0
Costs: 3,5
Service and features: 5,0
RATING
4,2 / 5
⭐⭐⭐⭐
06/2024
  • Mobile current account with VISA credit card
  • No credit history required when opening
  • Great app, Google and Apple Pay
  • Focus on sustainability and climate protection
  • Quick online application 
  • Available without residence
bunq
Speed: 5,0
Bank Account: 4,0
Fees: 3,5
Features: 5,0
RATING
4,3 / 5
⭐⭐⭐⭐
06/2024
  • Bank account with Mastercard debit card
  • 5 minute application with no SCHUFA or credit check
  • 3 cards (1x Maestro, 2x Mastercard), 5 virtual cards, 25 (!) IBAN accounts included
  • Mobile bank with a great app, Google Pay, Apple Pay and good support
  • Sustainable and environmentally friendly banking (carbon offsetting, equal opportunity and more)

Credit Cards: Some of the more popular German credit cards and payment cards

Blackcatcard
Speed: 4,5
Account: 4,0
Costs: 4,0
Service: 3,0
RATING
3,9 / 5
⭐⭐⭐⭐
06/2024
Miles and More Gold Credit Card
Card: 4,0
Service: 4,5
Costs: 4,0
Speed: 3,5
RATING
4,0 / 5
⭐⭐⭐⭐
06/2024
  • Golden credit card with up to 15,000 bonus miles
  • Earn 1 mile for every 2 euros spent with the card
  • Unlimited mile validity
  • Customizable add-on packages, insurances, and travel services
  • Exchange bonus miles for status miles and receive airport lounge access
awa7 VISA Credit Card
Speed: 4,5
Credit limit: 4,0
Costs: 3,5
Service and features: 4,0
RATING
4,1 / 5
⭐⭐⭐⭐
06/2024
  • Sustainable VISA-credit card with credit line and installments function
  • Permanently without annual fee, withdraw money worldwide free of charge
  • Credit line: from € 1,500 – € 10,000
  • Good for the environment: trees are planted for every purchase
  • Credit rating: average to very good
Advanzia Mastercard Gold
Speed: 3,0
Features: 4,0
Credit limit: 4,5
Costs: 4,0
RATING
3,9 / 5
⭐⭐⭐⭐
06/2024
  • No annual fee, no fees for cash withdrawals
  • No charge for use abroad
  • Credit limit starting from 100,- Euro up to 20.000,- Euro
  • Interest-free payment term for purchases
  • Free and personal customer service, 24/7

Financing providers

Pfando
Service: 4,0
Speed: 4,5
Cash offer: 4,0
Costs: 3,0
RATING
3,9 / 5
⭐⭐⭐⭐
06/2024
  • Receive cash for your car title without a credit or SCHUFA check
  • Receive €500 – €250,000, starting from 1 month duration
  • Car, company vehicle, motorcycle, van, and much more possible
  • Not as cheap as a loan, but easier to obtain

About GIROMATCH.com

GIROMATCH.com - Founded 2014
GIROMATCH.com Bankingcheck Winner
4.6 Star Rating on Google

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GIROMATCH.com is your credit platform. Our mission is to make credit and finance simpler and more accessible for everyone. For this reason, everything we do for you is free.

To keep it free, we finance our operations through so-called "affiliate links" and commissions. This means that if you conclude a loan, open a bank account through us or get a credit card via our platform, we may receive a commission for this.

The commission allows us to continue to offer our platform free of charge to you and to improve our product portfolio.

Find out more about who we are »

Transparency Information

Our company headquarters

  • GIROMATCH GmbH
  • Ludwigstr. 33
  • 60327 Frankfurt am Main
  • Germany

Our licenses

  • §34c GewO (Loan brokerage), City of Frankfurt am Main, granted on 15.09.2014
  • §34f GewO (Investment brokerage), Frankfurt am Main Chamber of Commerce, granted on 01.10.2015

As seen in

  • ZEIT Campus (2016)
  • FAZ (2017)
  • Börsenzeitung (2018)
  • Handelsblatt (2018, 2019)
  • Focus.de (2022)
  • Finanz-Szene (2023)
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