Banking apps compared

Banking apps compared (Germany 2026):

ING Banking app:

✅ Current account + overnight money + securities account in one app
✅ Apple Pay + Google Pay
✅ Clear, reliable
❌ Only free with €700 incoming payments

DKB Banking:

✅ Completely free with incoming payments
✅ Visa card: free cash withdrawals worldwide
✅ Very good app since the relaunch
❌ Design takes some getting used to at first

N26:

✅ The most modern app, real-time push notification for every transaction
✅ Spaces (sub-accounts) for different savings goals
✅ Fastest account opening (10 min.)
❌ Customer service sometimes slow

Trade Republic:

✅ Securities account + current account in one app
✅ 2% interest on balances (up to €50,000)
✅ ETF savings plans free
❌ More for investors than for everyday banking

Sparkasse:

✅ Local branches, personal advice
✅ Good app with multibanking
❌ Account fees (€5–12/month)