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N26 vs Ally vs MPH

Posted on November 23, 2021 by Bill Rieger

N26 is leaving the United States market, are you wondering what your online bank options are now?

There are so many online banks out there, which one should you choose? The chart below should help with your decision!

N26 used to offer Ally
Rewards Cash Back on debit card spend/discounts on favorite brands and subscriptions No set reward program-offers promotions occasionally Referral Rewards:

$1 every month for everyone you refer and they refer, to 6 levels that qualifies (makes 15 debit purchases). Most you can make:  $8500/month

Debit Purchase tracking tool built for transparency

Fees No min account balance No Overdraft Fee No min account balance

No overdraft fees

No min account balance
No overdraft fee
ATM Fees Free ATM network
2 free out of network
$2 out of network after 2Can’t deposit cash
Free ATM Network

No fee to use out of network ATM

Can’t deposit cash

Allpoint ATM Network

No fee to use out of network ATM

Deposit Cash in ATM Network  *available Jan 2021

Sub/Goals Accounts Yes Yes Yes
Other fees Couldn’t find information RDI $7.50

Outgoing wires $20

Account research fee $25

Only 3rd party pass-thru fees

Others charge us, pass thru to customer, no fee on’s end.

Roundup Yes Yes Yes*

Available 1st Qtr 2021

Mobile Wallets Apple Pay
Google Pay
Apple Pay

Google Pay

Samsung Pay

Apple Pay
Google Pay
Samsung Pay
Person to Person Payments MoneyBeam person to person transfer Zelle Zelle *

Available in December 2021

Financial Awareness Tools N/A Lots of articles on money management Credit Score and alerts for Transunion

Link and monitor external accounts on bank app

Create Budgets and track spending

Customer Support Customer Service:


Customer Service


Customer Service:


Links to N26 departure from the US:

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