measuretwice
Registered User
- Messages
- 12
There are many threads here comparing N26 to Revolut, and if I were to choose between those I think it would be the former as they seem cheaper, and I understand of the two they alone are insured by the ECB. There are no threads comparing either offerings to that of Bitwala.
To avoid banking charges I am going to move my banking to either a zero fee EBS account, or receive income into same or an existing zero fee credit union account, and set up a standing order into either N26 or Bitwala which I will otherwise effectively use as my bank. I understand EBS online banking is not great, and my credit union do not offer a a debit card, which is why I am considering the standing order to another bank. Bitwala do also offer crypto options, including greater than 4% interest through the Celsius Network, although you can use that and similar services without Bitwala and buying crypto directly from an exchange is cheaper.
I am trying to discern what offers the best general banking value and service.
From Bitwala's Pricing it seems like the only charges I would incur are when the actual ATM adds a charge as Bitwala themselves do not charge for it.
From N26's Pricing List it seems to have more charges than Bitwala (in addition to a maximum of 3 'free' ATM withdrawls per month versus apparently unlimited with Bitwala), a 12c stamp duty withdrawal to a maximum of €5 is applied to Irish customer and taken retrospectively.
Are any of these charges mentioned something I should expect to incur regularly using a German based N26 or Bitwala card here in Ireland, and if so would those charges be avoided if I stuck with an EBS card?
The forum will not allow me to post any links so please find attached details on pricing for Bitwala and N26, I could not find a Revolut PDF but they have a limit of €200 'free' ATM withdrawals per month.
To avoid banking charges I am going to move my banking to either a zero fee EBS account, or receive income into same or an existing zero fee credit union account, and set up a standing order into either N26 or Bitwala which I will otherwise effectively use as my bank. I understand EBS online banking is not great, and my credit union do not offer a a debit card, which is why I am considering the standing order to another bank. Bitwala do also offer crypto options, including greater than 4% interest through the Celsius Network, although you can use that and similar services without Bitwala and buying crypto directly from an exchange is cheaper.
I am trying to discern what offers the best general banking value and service.
From Bitwala's Pricing it seems like the only charges I would incur are when the actual ATM adds a charge as Bitwala themselves do not charge for it.
From N26's Pricing List it seems to have more charges than Bitwala (in addition to a maximum of 3 'free' ATM withdrawls per month versus apparently unlimited with Bitwala), a 12c stamp duty withdrawal to a maximum of €5 is applied to Irish customer and taken retrospectively.
Are any of these charges mentioned something I should expect to incur regularly using a German based N26 or Bitwala card here in Ireland, and if so would those charges be avoided if I stuck with an EBS card?
The forum will not allow me to post any links so please find attached details on pricing for Bitwala and N26, I could not find a Revolut PDF but they have a limit of €200 'free' ATM withdrawals per month.
Attachments
Last edited:
