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Neobank and online broker comparison

Checked against the source: Checked: 9 Oct 2026

Revolut, N26, bunq, Wise, Trade Republic and Trading 212 in one place, for residents of Slovenia: what a plan costs, which card you get, what you pay for cash and currency exchange, what interest you earn and who protects your money. NLB and OTP banka are included for comparison. What neobanks are and how to open an account is covered in the article on neobanks in Slovenia.

Providers at a glance

One card per provider. The coloured badges show the cheapest plan; open the card for every plan’s price, card, ATM and currency terms.

  • no cost, or full deposit protection
  • free only up to a limit, or less protection
  • you pay every time

Revolut

€0 to €60 a month
bank · Lithuania
In the cheapest plan (Standard):
Card abroad
up to €1,000 a month
ATM
€200 or 5 withdrawals a month
Protection
deposits up to €100,000
Interest
up to 2.36%
FURS
report within 8 days
All 5 plans
Standardfree
Card
debit card
ATM withdrawals
up to €200 or 5 withdrawals a month, then 2% (at least €1)
Card in another currency
no extra fee up to €1,000 a month, 1% above; +1% at weekends
Plus€3.99 a month
Card
personalised Plus card
ATM withdrawals
up to €200 a month, then 2% (at least €1)
Card in another currency
no extra fee up to €3,000 a month, 0.5% above; +0.5% at weekends
Premium€9.99 a month
Card
personalised Premium card
ATM withdrawals
up to €400 a month, then 2% (at least €1)
Card in another currency
no extra fee and no limit, weekends included
Metal€17.99 a month
Card
metal card
ATM withdrawals
up to €800 a month, then 2% (at least €1)
Card in another currency
no extra fee and no limit, weekends included
Ultra€60 a month
Card
platinum-plated card
ATM withdrawals
up to €2,000 a month, then 2% (at least €1)
Card in another currency
no extra fee and no limit, weekends included

N26

€0 to €16.90 a month
bank · Germany
In the cheapest plan (Standard):
Card abroad
no fee
ATM
2 withdrawals a month
Protection
deposits up to €100,000
Interest
up to 1.5%
FURS
report within 8 days
All 4 plans
Standardfree
Card
virtual card, physical card €10 one-off
ATM withdrawals
2 free withdrawals in euro a month, then €2 each
Card in another currency
payments free; foreign-currency withdrawals 1.7%
Smart€4.90 a month
Card
physical card
ATM withdrawals
3 free withdrawals in euro a month, then €2 each
Card in another currency
payments free; foreign-currency withdrawals 1.7%
Go€9.90 a month
Card
physical card
ATM withdrawals
5 free withdrawals in euro a month, then €2 each
Card in another currency
payments and foreign-currency withdrawals free
Metal€16.90 a month
Card
metal card
ATM withdrawals
8 free withdrawals in euro a month, then €2 each
Card in another currency
payments and foreign-currency withdrawals free

bunq

€0 to €18.99 a month
bank · Netherlands
In the cheapest plan (Free):
Card abroad
0.5%, 1.5% above €1,000 a year
ATM
€2.99 per withdrawal
Protection
deposits up to €100,000
Interest
up to 3.01%
FURS
report within 8 days
All 4 plans
Freefree
Card
digital credit card
ATM withdrawals
€2.99 per withdrawal
Card in another currency
Mastercard rate + 0.5% up to €1,000 a year, 1.5% above
Core€3.99 a month
Card
1 card
ATM withdrawals
first 5 withdrawals a month €0.99 each, then €2.99
Card in another currency
Mastercard rate + 0.5%
Pro€9.99 a month
Card
up to 3 cards
ATM withdrawals
6 free a month, the next 5 €0.99 each, then €2.99
Card in another currency
Mastercard rate + 0.5%
Elite€18.99 a month
Card
up to 3 cards
ATM withdrawals
6 free a month, the next 5 €0.99 each, then €2.99
Card in another currency
Mastercard rate + 0.5%

Wise

no monthly fee
e-money institution · Belgium
Terms:
Card abroad
about 0.4 to 0.5%
ATM
€250 a month
Protection
e-money, no deposit guarantee
Interest
no bank deposit
FURS
report within 8 days
Details
Card
digital free, physical €6 one-off
ATM withdrawals
free up to €250 a month, then 2.69% of the amount above €250
Card in another currency
mid-market rate + a fee of about 0.4 to 0.5% (euro to USD 0.47%)

Trade Republic

no monthly fee
bank and broker · Germany
Terms:
Card abroad
no fee
ATM
free from €100
Protection
deposits up to €100,000
Interest
up to 3%
FURS
report within 8 days
Details
Card
virtual free, physical €5 one-off
ATM withdrawals
free from €100, €1 for a withdrawal under €100
Card in another currency
Visa rate, no fee

Trading 212

no monthly fee
broker · Cyprus
Terms:
Card abroad
no fee
ATM
€400 a month
Protection
up to €20,000, no deposit guarantee
Interest
no bank deposit
FURS
report within 8 days
Details
Card
physical card with a one-off fee (amount shown in the app)
ATM withdrawals
free up to €400 a month, then 1%
Card in another currency
interbank rate, no fee

For comparison: two Slovenian banks

NLB and OTP banka with two packages each. Prices from the Banka Slovenije fee comparison.

NLB

€0.99 to €6.99 a month
bank · Slovenia
In the cheapest plan (NLB Paket Digitalni):
Card abroad
no bank fee
ATM
NLB ATMs free
Protection
deposits up to €100,000
Interest
up to 0.52%
FURS
no report needed
All 2 plans
NLB Paket Digitalni€0.99 a month
Card
digital and physical debit card
ATM withdrawals
NLB ATMs free; other banks 2 a month, then €0.89; abroad other currencies 1.03% (€2.50 to €23)
Card in another currency
Mastercard rate; the tariff lists no fee for payments
NLB Paket Osnovni€6.99 a month
Card
Mastercard debit card
ATM withdrawals
NLB ATMs free; other banks 3 a month, then €0.89; abroad other currencies 1.03% (€2.50 to €23)
Card in another currency
Mastercard rate; the tariff lists no fee for payments

OTP banka

€3.50 to €6 a month
bank · Slovenia
In the cheapest plan (Osebni Plus račun):
Card abroad
no bank fee
ATM
OTP ATMs free
Protection
deposits up to €100,000
Interest
up to 0.1%
FURS
no report needed
All 2 plans
Osebni Plus račun€3.50 a month
Card
Visa debit card
ATM withdrawals
OTP and OTP Group ATMs free; other banks in euro €0.75; abroad other currencies 1.1% (€2.50 to €23)
Card in another currency
Visa rate; the price list shows no fee for payments
Paket KOMPLET€6 a month
Card
Visa debit card
ATM withdrawals
OTP and OTP Group ATMs free; other banks in euro €0.75; abroad other currencies 1.1% (€2.50 to €23)
Card in another currency
Visa rate; the price list shows no fee for payments

Interest on a savings account

Neobanks often pay more than Slovenian banks, but some only pay the higher rate on a paid plan. The list is therefore ranked by what is left after a year once the plan fee is paid. Wise and Trading 212 are not in the list because they pay no interest on a bank deposit. Slovenian banks are compared in the savings account comparison and the deposit comparison.

On the right: what is left after one year, interest minus the plan fee.

  • bunq €301.00 interest €301.00 · 3.01% new saver no monthly fee · 3.01% up to €100,000
    • A new saver's personal threshold is €0, so until the first reset (1 January or 1 July) everything earns 3.01%. After that only the amount above the highest balance of the last 6 months does. Also on the free plan. 3 instant withdrawals a month, interest paid weekly.
    • Deposit guarantee: Dutch scheme, up to €100,000
    Provider terms Product page
  • Trade Republic €300.00 interest €300.00 · 3% new customer no monthly fee · 3% up to €50,000
    • Offer for new customers, after which the base rate applies. The rate follows the ECB rate; interest is calculated daily and paid monthly.
    • Deposit guarantee: German scheme, up to €100,000
    Provider terms
  • Trade Republic €250.00 interest €250.00 · 2.5% base rate no monthly fee · 2.5% up to €50,000
    • The rate follows the ECB rate; interest is calculated daily and paid monthly.
    • Deposit guarantee: German scheme, up to €100,000
    Provider terms
  • bunq €151.00 interest €151.00 · 1.51% after the threshold reset no monthly fee · 1.51% up to €100,000
    • The rate on money already in the account once the personal threshold is reset. New savings above the threshold earn 3.01%.
    • Deposit guarantee: Dutch scheme, up to €100,000
    Provider terms Product page
  • Revolut €118.00 interest €118.00 · 1.18% Standard no monthly fee · 1.18%
    • The same rate applies on the Plus plan (€3.99 a month).
    • Deposit guarantee: Lithuanian scheme, up to €100,000
    • Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
    Provider terms
  • N26 €30.00 interest €30.00 · 0.3% Standard no monthly fee · 0.3%
    • The same rate applies on the Smart plan (€4.90 a month). Interest is paid on the 1st of the month; withdrawn amounts earn none.
    • Deposit guarantee: German scheme, up to €100,000
    Provider terms
  • Revolut €28.12 interest €148.00 · 1.48% Premium plan €9.99 a month · 1.48%
    • Plan fee a year: €119.88
    • Deposit guarantee: Lithuanian scheme, up to €100,000
    • Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
    Provider terms
  • Revolut −€38.88 interest €177.00 · 1.77% Metal plan €17.99 a month · 1.77%
    • Plan fee a year: €215.88
    • Deposit guarantee: Lithuanian scheme, up to €100,000
    • Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
    Provider terms
  • N26 −€52.80 interest €150.00 · 1.5% Metal plan €16.90 a month · 1.5%
    • Plan fee a year: €202.80
    • Deposit guarantee: German scheme, up to €100,000
    Provider terms
  • N26 −€68.80 interest €50.00 · 0.5% Go plan €9.90 a month · 0.5%
    • Plan fee a year: €118.80
    • Deposit guarantee: German scheme, up to €100,000
    Provider terms
  • Revolut −€484.00 interest €236.00 · 2.36% Ultra plan €60.00 a month · 2.36% up to €100,000, above €100,000 1.77%
    • Plan fee a year: €720.00
    • Deposit guarantee: Lithuanian scheme, up to €100,000
    • Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
    Provider terms

Who holds your money and how it is protected

All the foreign providers here are regulated in the EU, but they are not protected in the same way:

  • Bank (Revolut, N26, bunq, Trade Republic):deposits are covered by the deposit guarantee of the bank’s home country up to €100,000 per person, the same as at a Slovenian bank.
  • E-money institution (Wise):not a bank. It keeps your money apart from its own, so creditors cannot take it if the company fails, but there is no deposit guarantee.
  • Broker (Trading 212):not a bank. Cash and securities are covered by the Cypriot investor compensation fund up to €20,000.

Companies: Revolut: Revolut Bank UAB, Lithuania; N26: N26 Bank SE, Germany; bunq: bunq B.V., Netherlands; Wise: Wise Europe SA, Belgium; Trade Republic: Trade Republic Bank GmbH, Germany; Trading 212: Trading 212 Markets Ltd, Cyprus; NLB: NLB d.d., Slovenia; OTP banka: OTP banka d.d., Slovenia.

Sources: Revolut[1] · N26[1][2] · bunq[1][2] · Wise[1][2] · Trade Republic[1][2] · Trading 212[1][2][3][4] · NLB[1][2] · OTP banka[1]

FURS and tax

Reporting the account. An account you open abroad, including one at a broker, has to be reported to the Slovenian Financial Administration (FURS) within 8 days of opening, through eDavki (form DR-Račun) or on form DR-02. Changes, such as closing the account, are reported too. Accounts at Slovenian banks need no report, as FURS gets that data itself.

Interest. Interest on deposits at banks in Slovenia and other EU countries is tax-free up to €1,000 a year in total. Above that, you file a return for the previous year by 28 February and pay 25% on the amount over €1,000. Returns from money market funds, such as Revolut Flexible Cash Funds, are not deposit interest and have to be reported whatever the amount. How, is explained in the article on Revolut and tax.

Investing. A foreign broker does not withhold Slovenian tax for you: you report gains on sales and dividends yourself. How they are taxed is covered in the article on ETF tax in Slovenia. When an individual investment account, where the provider handles the tax, is the better choice is worked out in the section INR or a regular brokerage account.

How we read the price lists: amounts apply to customers from Slovenia and to payments in euros unless stated otherwise. ATM costs are the provider’s own; the bank that owns the ATM may add its fee. NLB and OTP package prices come from the Banka Slovenije fee comparison, everything else from the providers’ price lists (links below the protection section). We re-check the data by hand every month.
Share calculation:

Frequently asked questions

Neobank FAQ 6

Do I have to report a Revolut, N26 or bunq account to FURS?
Yes. An account you open abroad, including one at a broker such as Trade Republic or Trading 212, has to be reported to the Slovenian Financial Administration within 8 days of opening, through eDavki (form DR-Račun) or on form DR-02. Changes, such as closing the account, are reported too. Accounts at Slovenian banks need no report, as FURS gets that data itself.
Is my money safe with a neobank?
At the banks (Revolut, N26, bunq, Trade Republic) deposits are covered by their home country’s deposit guarantee, up to €100,000 per person, the same as at Slovenian banks. Wise is not a bank but an e-money institution: it keeps your money apart from its own, but there is no deposit guarantee. Trading 212 is a broker: cash and securities are covered by the Cypriot investor compensation fund up to €20,000.
How is interest from a foreign bank taxed in Slovenia?
Interest on deposits at banks in Slovenia and other EU countries is tax-free up to €1,000 a year in total. Above that, you file a return by 28 February and pay 25% on the amount over €1,000. Returns from money market funds (for example Revolut Flexible Cash Funds) are not deposit interest, so you have to report them whatever the amount.
Which card is cheapest for paying in another currency?
Trade Republic, Trading 212 and N26 charge no fee on card payments in another currency. Revolut is free on weekdays up to a monthly limit (€1,000 on Standard), with up to 1% added at weekends. Wise charges about 0.4 to 0.5% and bunq 0.5%. NLB and OTP use the card scheme’s rate.
Do neobanks pay more interest than Slovenian banks?
Often yes, but some only pay the higher rate on a paid plan. That is why the interest table on this page is ranked by what is left after a year once the plan fee is paid. Slovenian banks are compared in the savings account and deposit comparisons.
Where does the data come from?
From each provider’s price list and plans page; NLB and OTP package prices come from the Banka Slovenije fee comparison. We re-check the data by hand every month, and the date of the last check is shown next to the title. The comparison is for information only and is not financial advice.

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