Finance · Germany (DE)
N26
Mobile bank built in Berlin.
The switch
Cash App→N26also replaces Chime
About
Fully licensed European bank with a sleek mobile app, instant notifications and free EUR transfers across the SEPA zone.
Why we recommend it
- Full EU banking licence
- Instant notifications
- SEPA included
EU vs USA
N26 vs Cash App
Side-by-side on jurisdiction, data residency, and the rules that decide who can actually read your data.
Criteria
🇪🇺 N26
🇺🇸 Cash App
Headquarters
Berlin, Germany
San Francisco, USA
Jurisdiction
Germany (BaFin, GDPR)
USA
Data location
Germany
US
GDPR-native
Yes
No
CLOUD Act / FISA exposed
No
Yes
Ad tracking
No
Yes
End-to-end encryption
No
No
Open source
No
No
Ownership
N26 GmbH
Block Inc.
Founded
2013
2013
Compare head-to-head