Credit card app: N26, bunq, monese, tomorrow, nuri – which app is the best?

Credit card apps in comparison – As a model, you’ll be traveling a lot! Pay for a flight here, a cappuccino at Starbucks and a stylish pair of sunglasses in between. Fortunately, paying has never been as easy as it is today, with a smartphone app including account and credit card. All without additional costs, with good and uncomplicated apps in the AppStore (Apple) and PlayStore (Android). But which is the best credit card app?

What to look out for? No costs, full control

Whether Fashion Week Paris, Milan or in Berlin, pay for free, withdraw money for free (if you need it). A big advantage of all the cards in our list of recommendations is that they are all debit credit cards. That means you can’t go into the red and only spend what you have. Here are our top 5 credit card apps!

The providers have many advantages. Registration only takes a few minutes for most of them, from downloading in the store to video verification. Video verification can be done conveniently on your cell phone. After that, you already have your (virtual) credit card details and even your own IBAN (for transfers). As soon as you have money in your account, you’re ready to go. It’s that simple.

Credit cards at a glance: Advantages

These functions are important:

  • Free account management
  • Check NFC availability
  • IBAN included
  • Make transfers free of charge
  • Withdraw cash free of charge

Tip! Our provider recommendations have it all. You don’t pay any fees for a normal account. You can simply connect them all to your smartphone and pay directly with them. Transfers are free and cash withdrawals (usually 3-5 per month).

Debit credit cards: no overdraft trap

Another advantage, already mentioned at the beginning, all these cards are debit credit cards, so simply put, you can only spend as much as you have. You can’t automatically go into the red! A big advantage of all cards.

  • Debit credit cards
  • No automatic dispo
  • Only credit can be spent

Recommendations from experience: Free apps

Here is our top 5 debit credit cards with a good app. PS: We have installed all of them ourselves and have been using some, like N26, for over 3 years.

Tomorrow app and credit card

tomorrow was actually the first app we installed over 2 years ago. That’s why it deserves to be in the recommendations!

Evaluation and download

What does the community think of the tomorrow app?

Rating: 4.9 / 5 stars

Rated by 10,000+ users. Here you will find the links to download the app for your smartphone, whether Samsung, Xiaomi or iPhone in the PlayStore and Apple’s App Store.

tomorrow offers you:

  • Free account management
  • Check NFC availability
  • IBAN included
  • Make transfers free of charge
  • Withdraw cash free of charge

N26 app and credit card

We use the N26 card ourselves and have been totally satisfied for over 3 years. Not only have we had good experiences with the N26 card, you even get an IBAN from Germany. With a rating of 4.8 / 5.0 in the stores, the community feels the same way!

The app also has a great, clear interface. It’s bright, friendly and everything is easy to find, from credit card details to standing transfers (handy for renting).

Evaluation and download

How does the community rate the N26 app?

Rating: 4.8 / 5 stars

Rated by 110,000+ users. Here you will find the links to download for your smartphone, whether Samsung, Xiaomi or iPhone:

N26 offers you:

  • Free account management
  • Check NFC availability
  • German IBAN included
  • Make transfers free of charge
  • Withdraw cash free of charge

Monese app and credit card

We’ve had the card for over 18 months now and everything runs smoothly, from the app to payment. That’s why it’s also on our list of the best apps, monese.

Get the monese app

Evaluation and download

What does the community think about monese?

Rating (Android): 3.8 / 5 stars

This is where the communities differ a little!

Rating (Apple): 4.7 / 5 stars

Rated by 81,000+ users. Here you will find the links to download for your smartphone, whether Samsung, Huawai or iPhone. Available in the PlayStore and for iOS in the App Store.

monese offers you:

  • Free account management
  • Check NFC availability
  • Make transfers free of charge
  • Withdraw cash free of charge

Bunq app and credit card

If the first providers are not enough for you, here is another debit credit card as an alternative, bunq. Stable on the smartphone, also runs worldwide. Even if the app does not have a 4+ star rating in the store, we can recommend it from experience.

Get the bunq app

Evaluation and download

How does the community rate the bunq app?

Rating: 3.4 / 5 stars

The bunq app was rated by 17,000+ users. Here you can find the download links for your smartphone, whether Samsung, Xiaomi or iPhone, now in the Google PlayStore and in the App Store for all Apple users.

bunq offers you:

  • Free account management
  • Check NFC availability
  • IBAN included
  • Make transfers free of charge
  • Withdraw cash free of charge

Nuri app and and credit card

The nuri app is the latest one that we currently have installed on our smartphones and like to use, simply as another alternative and back-up in case something goes wrong elsewhere.

Evaluation and download

What does the community think of the nuri app?

Rating (Android): 3.2 / 5 stars

This is where the communities differ a little!

Rating (Apple): 4.4 / 5 stars

Rated by 2,000+ users. Here you will find the links to download for your smartphone, whether Samsung, Xiaomi or iPhone:

nuri offers you:

  • Free account management
  • Check NFC availability
  • IBAN included
  • Make transfers free of charge
  • Withdraw cash free of charge

Ready to travel?