Bank account N26: why it is better than a Postepay and Viabuy

16 reasons to choose N26 over Postepay Standard and Viabuy

Compare N26 with Prepaid cards (Postepay and Viabuy)

N26 vs. Postepay and Viabuy: Fixed costs

N26Postepay StandardVIABUY
Issuing fee0€10.00€69.90€
Min. amount requested to open0€5.00€0€
Total0€15.00€69.90€

Straight at the opening it is clear that the N26 account is the most convenient, not requiring any initial fee. Now let's move on to variable costs, assuming that users withdraw 4 times in a month (2 from ATM Postamat and 2 from bank branches in Italy and euro zone):

N26 vs. Postepay and Viabuy: Variable costs

N26Postepay StandardVIABUY
Fees on withdrawals from ATMs Postamat0€1.00€5€ + possible additional fees from banks
Fees on withdrawals from banks in Italy and in the euro zone0€1.75€5€ + possible additional fees from banks
Total0€5.50€20€ + additional fees

N26 is again the most convenient. Let's now examine the limits on withdrawals, deposits and payments:

N26 vs. Postepay and Viabuy: Limits

N26Postepay StandardVIABUY
Yearly limit on depositsNoYesYes
Daily limit on withdrawals from bank ATMs2.500€250€100€ - 2.400€
Daily limit on payments5.000€3.000€1.000€ for IDV1

N26 has no yearly limits on deposits, unlike Postepay Standard and Viabuy, and has the highest limit for withdrawals from bank branches.

N26 vs. Postepay and Viabuy: Other characteristics

N26Postepay StandardVIABUY
IBAN includedYesNoYes
Mastercard included for freeYesNoNo
Open in 8 minutes through the AppYesNoNo
In App notifications on each transactionYesNoNo
Possibility to transfer money via bank transferYesNoYes
Instant transfers to your Contacts who are customers of your bankYesNoNo
Stats in AppYesNoNo
Change your PIN in the AppYesNoNo
Possibility to link the card to the App with bank accountYesNoNo

With N26 you can do everything, whilst with the others you have several limitations.

*Data obtained from the official Fogli Informativi in June 2018

Foglio Informativo Postepay Standard

T&C Viabuy

Foglio Informativo N26

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