N26
The Mobile Bank
Reap Pay
Business payments in your preferred currencies
Updated February 2026
| N26 | Reap Pay | |
|---|---|---|
| Rating | 1.0★ | 5.0★ |
| Reviews | 12 | 3 |
| Pros | 0 | 9 |
| FactScore™ | 11.1 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in N26 — Pros
No unique pros listedBoth tools — Pros
—Only in Reap Pay — Pros
Credit card payments Crypto payments Automated payment schedules Fast performance Employee credit cards Integration with Xero Multiple currency support Payment link invoicing Recurring paymentsOnly in N26 — Cons
Poor customer service Delayed responses Lack of transparency Frozen funds Account freezes Unexplained account closures Difficult account closure Fraud prevention issues App usability issues Identity verification delays Subscription issuesBoth tools — Cons
—Only in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsDetails
| N26 | Reap Pay | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Payment processors, Money transfer |
| Platforms | Web · iOS · Android | Web |
| Became Popular | July 21, 2016 | April 3, 2023 |
| Website | n26.com | reap.global |
Who Should Pick Which?
Choose N26 if...
- No unique pros listed
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
With a FactScore™ of 11.1 vs 30.1, Reap Pay leads in community reception. N26 uniquely offers No unique pros listed, while Reap Pay stands out for Credit card payments and Crypto payments.
What Users Say
N26
I never thought a licensed European bank could behave like this. N26 blocked my account on 10 May 2025 without warning, without explanation, and with no access to my own money. All I’ve received si...
Ich habe mit N26 und ihrem Partner Upvest eine katastrophale Erfahrung gemacht,die mich über 7.400 € gekostet hat.Trotz mehrfacher Versuche,eine Klärung zu erreichen,verweigern beide Unternehmen je...
Voy a cerrar mi cuenta. Ya he sacado mi nómina de ahí. Me subscribí a cuenta metal y te dan de alta en un segundo. Solicité hace una semana la cancelación y todavía no me dan de baja. Servicio pési...
Reap Pay
We have used REAP for 3-4 years for multiple startups ranging between 2 to 100 people. Depending on the scale there is great value you can get, which traditional credit card or finance services can...
I appreciate the variety of payment options offered, including card payments, ACH, and eChecks, which will undoubtedly help businesses reach a broader range of customers. The ability to automate pa...
Reap solved our main pain point when paying suppliers by providing as a very functional credit card, perfect for crypto-native businesses.
Related Comparisons
Frequently Asked Questions
Which is better, N26 or Reap Pay?
Based on FactScore™, Reap Pay leads with a score of 30.1 vs 11.1. Reap Pay has a higher rating of 5.0★ compared to 1.0★.
What are the pros of N26 compared to Reap Pay?
N26 uniquely offers: No unique pros listed.
What are the pros of Reap Pay compared to N26?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
Is N26 better rated than Reap Pay?
N26 is rated 1.0★ from 12 reviews. Reap Pay is rated 5.0★ from 3 reviews.
What is the FactScore™ of N26 and Reap Pay?
FactScore™ weighs rating and review volume together. N26 scores 11.1 and Reap Pay scores 30.1.
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