European neobanks have quietly agreed what a paid account costs

Neobanks talk about their pricing as though it were a differentiator. It is not. When you take every plan off their own pricing pages, convert it into the same currency and line it up, most of the industry turns out to be selling the same three price points.

We crawled the pricing pages of the 8 European consumer neobanks we track that actually sell a paid tier, captured on 2026-07-27, and normalised each plan into euros per month. Here is what came out.

The ladders

All 8 start at zero. Not one of them asks for money at the door - the free account is the entry condition for the market, not a feature anybody competes on.

Above that the ladders are short: three or four rungs, and the whole range fits between €2.90 and €19.87 a month.

Everyone sells a €10 tier

5 of the 8 price a plan within ten cents of €10. Four of them quote it in euros natively, so this is not an artefact of our conversion.

That is the number to remember. Whatever the marketing says about cashback multipliers and metal cards, the middle of this market has settled on one price, and the differences between what you get for it are the actual product.

And a premium tier just under €20

The top of the ladder has converged too. 4 of the 8 put their most expensive plan between €16.90 and €19.87: N26, Curve, Bunq, Monzo. The median top tier across all 8 is €15.75.

Nobody has tried to break the €20 ceiling, and nobody undercuts the cluster from below either. For a sector that sells itself on disruption, that is a remarkably orderly picture.

What the sticker price leaves out

Normalising the numbers meant reading the small print, and the small print is where the comparison gets harder on purpose. Across all 150 plan rows we hold:

• 9 are quoted excluding VAT. A "£22.90 a month" plan is £27.48 when the invoice lands.
• 5 carry an introductory rate - a free first month, a three-month trial - that expires into a higher price.
• 6 say "from", which means the number on the page is a floor, not a price.

None of these are lies, and all of them make the headline figure smaller than the amount that leaves your account. It is worth checking which of the three applies before comparing two brands on their own numbers.

How we measured this

We crawl each brand's own pricing page - or its homepage, where that is where the plan table lives - extract the plan list, and convert every price to euros per month at the ECB reference rate for 2026-07-28. The rate is pinned rather than live, so the figures here stay reproducible.

Percentage-based pricing is excluded - exchanges and brokers charge per transaction, which is a different comparison. So are minimum-balance requirements, which read like prices and are not, and one-off fees with no recurring cadence.

The set is 8 brands, not the whole market. Revolut, Starling, Zen and others block our crawler, so they are absent here rather than free; we do not publish a number we could not measure. As coverage grows this comparison will be re-run.