C24 Bank or Revolut: Which Is Better in Germany? (2026)
The short answer
C24 Bank issues a German DE IBAN and caps out-of-allowance withdrawals at a flat EUR 2, while Revolut issues a Lithuanian LT IBAN but opens in 0 days without a German tax ID and runs fully in English. Both cost EUR 0 a month with 0% card FX and EUR 100,000 of deposit protection.
Row by row
Fees verified August 2026 against each provider's published data
| Criterion | C24 Bank | Revolut |
|---|---|---|
| Monthly feeWhat holding the account costs every month | EUR 0, unconditionally freeTie | EUR 0, unconditionally freeTie |
| IBAN countryGerman billers and employers still prefer a DE IBAN | German DE IBANWins | Lithuanian LT IBAN |
| Free withdrawal allowanceHow much cash you can take out before it costs | 4 free withdrawals a month in Germany and the EUTie | free withdrawals up to EUR 200 a month, or 5 of themTie |
| Fee above the allowanceWhat the withdrawal after the free ones costs | EUR 2 beyond 4 a monthWins | 2% above the allowance, minimum about EUR 1 |
| Card FX feeThe margin added to every non-euro card payment | 0%Tie | 0%Tie |
| German tax ID at openingWhether you can open before the Steuer-ID letter arrives | Required | not requiredWins |
| English supportApp, contract and helpline language | Limited, German-first | full English, chat in 100+ languagesWins |
| Opening timeHow fast the account is usable | 1 day | 0 daysWins |
So which one
Pick C24 Bank if
- You need a German IBAN for rent and salary: C24 Bank issues DE, Revolut issues LT.
Pick Revolut if
- You are opening from abroad without a German tax ID: Revolut asks for neither and is ready in 0 days.
Other comparisons
6 more pairsHow we compared these two
The criteria are fixed
Every comparison on this site uses the same 8 rows in the same order, so two pages can be read against each other. We do not add a row because one side happens to win it.
A win is a stated threshold
A row is won on the published number or capability, not on judgement. Ties are declared rather than broken. Figures come from provider price lists and official sources.
How we get paid
Both links earn a commission at the same rate, so the winner of a row is never the higher-paying one. Fees come from each provider's own published price list, not a comparison feed.
Sources: provider price lists and official data, accessed August 2026. Next review: November 2026.
Frequently Asked Questions
Which is better, C24 Bank or Revolut?
C24 Bank issues a German DE IBAN and caps out-of-allowance withdrawals at a flat EUR 2, while Revolut issues a Lithuanian LT IBAN but opens in 0 days without a German tax ID and runs fully in English. Both cost EUR 0 a month with 0% card FX and EUR 100,000 of deposit protection.
When should I pick C24 Bank?
You need a German IBAN for rent and salary: C24 Bank issues DE, Revolut issues LT.
When should I pick Revolut?
You are opening from abroad without a German tax ID: Revolut asks for neither and is ready in 0 days.
Community Q&A