Cards

Best Visa Electron or N26 debit card: which is best?

Looking for a debit card to call your own? So, see everything about the Best Visa Electron and N26, two good options on the market and enjoy incredible benefits, such as international coverage, online membership and more!

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Discover the best card for you

cartão de débito Best VisaElectron ou N26
See below the complete comparison between the Best Visa Electron and N26 debit cards. Source: Canva.

Firstly, to choose between the Best Visa Electron or N26 debit card you need to know each of them in detail. To do this, keep reading and check it out!

Both are debit cards that are linked to a digital account, each at a financial institution. Along with the account and the card, there are benefits and facilities for everyday use and for paying bills and purchases.

To know once and for all which one to choose and continue your financial life, read below the positive and negative points of each of these cards and compare them. In the end, deciding between the Best Visa Electron or N26 will be much easier!

How to apply for the N26 Gold debit card

The N26 Gold debit card can be requested through different channels, completely online! Find out more here.

cartão de débito Best Visa Electron fundo branco

How to apply for the Best Visa Electron card

Learn in just a few steps how to apply for the Best Visa Electron card and enjoy its advantages, such as an app to control your finances and more!

Best Visa ElectronN26 
Annuity19,5€ Free
Do you accept denial?UninformedUninformed
FlagVisaMasterCard
RoofInternationalInternational
BenefitsOnline membership, contactless payment, international brand, transaction app, Best Card Club with discounts of up to 30% at partner establishments.Online request, purchases in other European countries, application to track expenses and purchases, customization of card color, free annual fee

N26 Card 

Find out more about the N26 debit card. Source: N26.

First, let's look at the N26 debit card which is managed by fintech N26. It is, in general terms, quite simple, as it only accompanies the debit function, without offering credit. In other words, you can only use it for purchases and payments by debit and cash. 

Furthermore, you can use it all over the world, as the card has a Mastercard International brand. Likewise, there is the digital account that accompanies it and, therefore, allows financial transactions in a few clicks, as well as monitoring finances in real time.

Best Visa Electron Card

cartão de débito Best Visa Electron fundo branco
Find out more about the Best Visa Electron Card debit card. Source: Banco Best.

The Best Visa Electron card also corresponds only to a debit card. Therefore, it is also only available for purchases and payments that occur by debit and in cash, with no possibility of purchasing installments or payments in the future.

Furthermore, it has an international flag, so it can be used anywhere in the world. Its management, in fact, is carried out by BestBank, which links it to a digital account. Therefore, it has an app and internet banking for online transactions, as well as offering contactless payment.

N26 Card Advantages 

In order for your decision to occur in the best possible way between the Best Visa Electron or N26, we need to know what the advantages of each of them are, for comparison purposes and the best choice, based on data.

So, let's start with the N26 card, which offers the following benefits:

  • Accompanies a digital account;
  • Online membership;
  • Application to track your expenses, balance and transactions;
  • Mastercard flag;
  • Create tags (sessions and markers) to classify your most common expenses and thus help with financial organization;
  • Space function, which allows you to create profiles (for different people in the family) within the same account to manage your money;
  • International use;
  • Personalize your card by choosing the color you want;
  • Possibility of contracting additional services, such as credit card (depends on credit analysis and annual fee payment);
  • No annual fee.

Best Visa Electron Advantages

On the other hand, these are the benefits that we identified in the Best Visa Electron debit card:

  • Accompanies a digital account;
  • Online membership;
  • Application and internet banking for online transactions;
  • International Visa Flag;
  • Advantages associated with the flag;
  • Best Card Club, which offers discounts of up to 30% at partner establishments;
  • Contactless (approach payment).

Disadvantages N26 Card

In the same way that it is necessary to know the advantages of each card to choose between Best Visa Electron or N26, it is also necessary to know the negative points of each of them.

Regarding the N26 debit card, we identified the following negative points:

  • Debit card only offer;
  • Exclusive for those who reside in Europe or have European citizenship;
  • Waiting line to open an account to obtain a card and account;
  • You need to open an N26 account to obtain the card.

Best Visa Electron Disadvantages

On the other hand, then, these are the negative points that we identified in Best Visa Electron:

  • Exclusive for those residing in Portugal;
  • To obtain the card it is necessary to open a digital account;
  • There is an annual fee.

Best Visa Electron or N26 card: which one to choose anyway?

Now that you know everything about the N26 and Best Visa Electron debit cards, the question remains: which one should you choose?

To do this, first compare the advantages and disadvantages above. Likewise, keep in mind what is essential for you. For example, is it the absence of an annual fee? So the best alternative is the N26.

On the other hand, if you are looking for a card option that you can use straight away, without waiting, the Best Visa Electron is the best option, since the N26 has a waiting list. In other words, it does not offer the option immediately, with no prediction of when the release will occur.

Furthermore, note that the Best Visa Electron is a card that has a discount program, which the N26 does not. However, he charges an annual fee, although it is not that high.

Therefore, these points must be analyzed to make the best choice. That is, to choose between the N26 or Best Visa Electron card. In the end, then, you can choose what is best for your life.

On the other hand, if you're still not sure whether a debit card (without credit) and the options we've analyzed is the best for your life, don't worry. Finally, there are several other alternatives available on the market.

For a third alternative, consider the Caixa ISIC card, which has a series of special benefits and facilities.

Pessoa segurando cartão Caixa ISIC, xícara de café e fone de ouvido

How to apply for the Caixa ISIC card

Requesting the Caixa ISIC card is simple! Learn step by step and take advantage of its advantages, such as international Visa and insurance!

About the author  /  Aline Augusto

My name is Aline Mesquita, I'm a writer here on the blog, where I write about finance in general, as well as other topics. I have been working with content creation for 10 years, with a postgraduate degree in Project Management, with expertise in SEO practices, in addition to studying finance, market trends and cryptocurrencies.

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