Software Comparison

N26 Business vs Revolut Business - Irish business-banking Software Compared

Choosing between N26 Business and Revolut Business is one of the most common decisions Irish businesses face when evaluating business-banking software. This comparison breaks down everything an Irish SME needs to know, from Revenue integration and GDPR data residency to pricing and ease of use.

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Last verified: 05 Apr 2026 data verified to the older of the two vendor profiles Methodology

Quick Verdict

N26 Business vs Revolut Business - Feature Comparison

Feature	N26 Business	Revolut Business
Irish IBAN	No. German (DE) IBAN issued. Can cause friction with Irish suppliers and government payment systems.	Yes. Irish (IE) IBAN issued via Revolut Bank UAB Irish branch. Compatible with Irish suppliers and payment systems.
Irish Bank Feeds	No direct bank feed to major Irish accounting platforms. CSV export only.	Yes. Native API and bank feed integrations with Xero, QuickBooks Online, and Sage.
SEPA Instant	Not supported. SEPA Credit Transfer and SEPA Direct Debit only.	Yes. SEPA Instant Credit Transfer (SCT Inst) supported alongside SEPA Credit Transfer.
Deposit Protection	German deposit protection scheme (BaFin) up to EUR 100,000.	Lithuanian Deposit Insurance scheme up to EUR 100,000 via Revolut Bank UAB.
Irish Customer Support	No Irish-based customer support. In-app and digital channels only.	Yes. Irish support available, primarily via in-app channels through the Irish branch.
Eligible Business Types in Ireland	Sole traders and freelancers only. Limited companies generally not supported in Ireland.	Sole traders, freelancers, and registered limited companies all supported.
Revenue or PAYE Modernisation Integration	None. No Revenue ROS or PAYE Modernisation support.	None. No Revenue ROS or PAYE Modernisation support.
Pricing
Starting Price	Free tier available	Free tier available
Free Trial	✓	✓
Irish Compliance
Revenue Integration	✗	✗
PAYE Modernisation	✗	✗
Irish Bank Feeds	✗	✓
GDPR Data Residency	EU	EU
SEPA Direct Debit	✓	✓
Irish IBAN Support	✗	✓
VAT Handling	✗	✗

Irish Compliance Comparison

For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how N26 Business and Revolut Business compare on the requirements that matter most to Irish SMEs.

Revenue Integration

Neither N26 Business nor Revolut Business offers native Revenue Online Service integration. Irish businesses in business-banking may not need this feature directly, but should ensure their accounting software handles Revenue compliance separately.

Irish Bank Feeds

N26 Business supports SEPA Credit Transfer, SEPA Direct Debit. Revolut Business supports SEPA Credit Transfer, SEPA Instant. Both support the same Irish banks, so bank compatibility is not a deciding factor here.

GDPR Data Residency

Both N26 Business and Revolut Business store data in EU data centres, providing strong GDPR compliance out of the box. Irish businesses can use either platform without worrying about cross-border data transfers to the US or other non-EU jurisdictions.

SEPA and IBAN Support

Both N26 Business and Revolut Business support SEPA Direct Debit and Irish IBAN format. This means you can process euro payments, set up direct debits, and handle bank transfers in the standard European format without any manual workarounds.

VAT Handling

Neither N26 Business nor Revolut Business handles Irish VAT directly. This is expected for business-banking tools - your accounting software should manage VAT compliance.

Pricing Comparison

All prices below are in euro. Pricing can change - we verify vendor pricing monthly, but always confirm on the vendor's website before purchasing.

N26 Business

Free

Pricing model: Flat rate
Free trial: Yes
EUR pricing guaranteed: Yes

View N26 Business pricing →

Revolut Business

Free

Pricing model: Flat rate
Free trial: Yes
EUR pricing guaranteed: Yes

View Revolut Business pricing →

N26 Business does not publish entry-level pricing - request a quote directly. Total cost of ownership depends on users, plan tier, add-ons and features, so always calculate the full annual cost for your team size before committing.

Who Should Choose N26 Business

N26 Business is the better fit if your business matches one or more of these profiles:

✓ Those who value: clean mobile-first user experience
✓ Those who value: german deposit protection up to eur 100,000
✓ Those who value: free standard tier for sole traders

Who Should Choose Revolut Business

Revolut Business is the better fit if your business matches one or more of these profiles:

✓ Companies that value Irish-based phone and email support
✓ Growing businesses with 21-50 employees that need a platform which scales
✓ Those who prioritise user satisfaction - Revolut Business has a higher editorial rating (4.3/5)

Our Verdict

Neither vendor offers native Revenue ROS integration or PAYE Modernisation support, so Irish businesses will still need dedicated Irish payroll or accounting software for tax compliance. N26 remains a reasonable fit for a solo freelancer who already uses N26 personally and needs a lightweight account for self-employed income, particularly given its German deposit protection up to EUR 100,000 and its 0.1% cashback on card spend.

Ultimately, the best choice depends on your specific business needs, team size, and priorities. We recommend taking advantage of free trials from both vendors before making your final decision. If you are working with an Irish accountant or payroll bureau, ask which platform they prefer - their familiarity with the software can save you significant time and hassle during setup and ongoing support.

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Frequently Asked Questions

Is N26 Business or Revolut Business better for Irish SMEs?

N26 Business is a workable choice for Irish sole traders and freelancers who want a simple, mobile-first account and are comfortable with a German IBAN, but Revolut Business is the stronger option for the vast majority of Irish SMEs in 2026. The single sharpest Irish-specific differentiator is IBAN issuance: Revolut Business issues Irish (IE) IBANs through its Irish branch, while N26 issues German (DE) IBANs, which can cause friction with Irish suppliers, payroll providers, and some Irish government payment systems. Revolut Business also offers direct bank feeds to Xero, QuickBooks, and Sage, making day-to-day Irish bookkeeping workflows considerably more efficient, whereas N26 relies on CSV export only. Neither vendor offers native Revenue ROS integration or PAYE Modernisation support, so Irish businesses will still need dedicated Irish payroll or accounting software for tax compliance. N26 remains a reasonable fit for a solo freelancer who already uses N26 personally and needs a lightweight account for self-employed income, particularly given its German deposit protection up to EUR 100,000 and its 0.1% cashback on card spend.

Which is cheaper, N26 Business or Revolut Business?

N26 Business starts at Free tier available, while Revolut Business starts at Free tier available. Both are similarly priced at entry level, so the best value depends on which features matter most to your business.

Does N26 Business or Revolut Business have better Irish bank feeds?

N26 Business supports SEPA Credit Transfer, SEPA Direct Debit. Revolut Business supports SEPA Credit Transfer, SEPA Instant. Both offer similar Irish bank compatibility.

Which has better GDPR compliance, N26 Business or Revolut Business?

N26 Business stores data in EU data centres (GDPR-friendly). Revolut Business stores data in EU data centres (GDPR-friendly). Both offer EU data centre options, though configuration may be required.

Can I switch from N26 Business to Revolut Business?

Yes, migrating between N26 Business and Revolut Business is possible. Most business-banking platforms allow you to export your data in CSV or standard formats. We recommend working with your accountant or IT provider to plan the migration, ideally at the start of a new financial year or payroll period to minimise disruption.

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