N26

N26 is a fully licensed digital bank headquartered in Berlin that serves millions of customers across 24 European markets, offering mobile-first banking with real-time transaction processing and no legacy branch infrastructure. The company holds a full European banking license issued by the ECB via BaFin, distinguishing it from fintech wrappers that rely on third-party banking-as-a-service providers. N26 represents Europe's push to build consumer financial infrastructure that is natively digital, regulated under EU law, and independent of American big-tech platforms entering the payments space.