I have been using this bank already for more than 1 year and I can highly recommend it to anybody!
I was so surprised how fast the foreign transactions go with N26, it happened to me many times that I didn’t even have to wait for another day, it arrived still the very same day – and without any fees! Amazing 🙃
Also I have been using it even in Africa (during my travels in Guinea), and even there I withdrawed money twice from a local bank ATM, and the fee was so low that if I exchanged my money (EUR) to local guineen francs (which seemed complicated in general), I would actually lose much much more than by withdrawing from a trustworthy ATM!
Here are some of the main benefits with N26:
No monthly/yearly costs, No set-up cost
No ATM fees in EU (*or even worldwide with BLACK option)
No foreign transaction fees (amazing! absolutely FREE)
No currency exchange markup !
The entire account opening process ONLINE
Amazing, user-friendly APP (with very high score on App store or Google
+ Very friendly WEB interface
More features than most neo-banks, including FREE Mastercard, low-cost & straightforward investment options
Apple Pay & Google Pay
Transferwise integration
Card usage push notifications from the app, not SMS
Saving account with interest up to 1,5 %
TRUSTWORTHY / via Trustpilot.com
And the interface is so user-friendly, both on the App and on the desktop browser!
It is definitely the best banking for travelers, students, digital nomads or even other people who are pissed with their local bank and want to get a bit more!
Update 2020: Still loving it, they have some new features available, some new premium options, but I am still staying within the basic one, and it’s amazing enough for me. I have been traveling with this card in South Korea, Albania, Guinea and it was a smooth and positive experience in any of them, even while withdrawing money I was really surprised by the very very low fees (in Albania even zero fees but you have to be careful which ATM to take, doesn’t matter which bank you use:)))
Do you have any extra money on your account and are you unhappy about the low interest rate in your bank account?
Do you want to travel for a longer term but you don’t know how to gain extra money while traveling just with your laptop or mobile phone?
Do you want to retire at the age of 40, instead of 60 or 70 years old?
Start with a FIRE lifestyle! 🔥❤️🦋
Fire Independence Retire Early = movement with the goal of gaining financial independence and retiring early)
One of the amazing ways how to gain an extra passive income, is to start investing, but don’t be afraid, it doesn’t have to be really difficult. Let’s start with P2P / P2B investing (crowd-lending)!
“Crowdfunding allows projects be financed directly by a large group of people, the “crowd”, without resorting to the services of a traditional bank or other financial institution.”
“In crowdlending, a large number of unrelated people lend directly small amounts in exchange for a financial return, through a commercial loan agreement.”
P2P = Peer to Peer (“This form of crowdlending enables people to lend their money to other individuals, matching borrowers and lenders directly. The loans issued often include many tiny slivers from different lenders.”)
P2B = Peer to Business (“It is a method of debt financing that enables individuals to lend money to enterprise projects of any scale—bypassing an official financial institution. Traditionally individuals didn’t get direct access to enterprise projects.”)
and What is CRYPTO?
A cryptocurrency is a digital or virtual currency that is secured by cryptography, which makes it nearly impossible to counterfeit or double-spend. Many cryptocurrencies are decentralized networks based on blockchain technology—a distributed ledger enforced by a disparate network of computers. A defining feature of cryptocurrencies is that they are generally not issued by any central authority, rendering them theoretically immune to government interference or manipulation.
A cryptocurrency is a form of digital asset based on a network that is distributed across a large number of computers. This decentralized structure allows them to exist outside the control of governments and central authorities.
Experts believe that blockchain and related technology will disrupt many industries, including finance and law.
The advantages of cryptocurrencies include cheaper and faster money transfers and decentralized systems that do not collapse at a single point of failure.
The disadvantages of cryptocurrencies include their pricevolatility, high energy consumption for mining activities, and use in criminal activities.
You can also visit https://coinmarketcap.com where you can see the current ranking of the most used Cryptocurrencies in the world ♥
There are a lot of platforms which help you to start investing, using already pre-selected strategies, so you don’t have to have a lot of knowledge to start investing. However I recommend to spend some time before investing, learn a bit more about the system, new terms, take in account all the risks but also the opportunities. In the end, everything in life is risky, even having cash under the pillow 🙃
Let’s start to safely invest your money!
You can always double check on Trustpilot and other similar platforms so you avoid any scam, that’s VERY IMPORTANT 😌
“The philosophy of the rich and the poor is this: the rich invest their money and spend what is left. The poor spend their money and invest what is left.” (Rich Dad, Poor Dad)
Here is the list of my favorite platforms or apps where to invest your money (some of them more easy to use, some of them more conservative, some of them more risky):
1. ESTATEGURU
EstateGuru is a very attractive platform where I have started to invest during 2020 and I keep asking myself why I haven’t started earlier.
The average interest rate is maybe not that that high compared to other platforms, but also not that low either (depends which platforms you compare with:). The team behind is very professional and they seem to have much less problems during the Covid-19 pandemic, so I think it’s a great option for those, who want to choose something safer but still get some nice passive income.
The average interest rate is around 10-11 %, the platform is concentrated on real estate projects and the average period for one loan is just around 1 year, which is very nice, so you don’t have to wait too long for a project to be completed.
An auto invest option is available, for those who invest bigger amounts even with advanced options.
The secondary market is available (so far only with a manual option), the platform is taking a small fee to those who are selling their loans. Very soon it should be able to also set auto invest for secondary market as well.
Overall I am very pleased with this platform and I totally recommend it so far!
If you want to register, please be my guest and register through my welcome link – this way we both get a nice bonus! (or entry my referral code EGU41168 during the registration process)
EstateGuru from Estonia, overall positive reviews from investors on TRUSTPILOT.com
2. CHANGE INVEST
Estonian-based company Change Invest has launched a mobile cryptocurrency trading app called Change through which users enjoy commission-free trades when investing into cryptocurrencies.
I am using this app for more than a year already, mostly for trading Cryptocurrencies (but they have other features as well including a dynamic saving account) and so far I love it!
Super low fees, a lot of extra benefits, very fast support and so much more!
And the great reviews of other users speak for them!
One of the best know P2P platforms for all types of investors coming from Latvia!
Slightly damaged image after the Covid crisis, but hopefully getting back on track soon!
Very clear interface, fast registration, pretty high yield (average return over 12-13 % – most of them with Buyback guarantee!), but you can find even with 15 % and more if you don’t mind some extra risk, especially in other currencies than just EUR.
Overall, I still recommend using this site as the main P2P platform, not only for diversification of your investments, you can find a big variety of providers, in different currencies (mostly but not only in EUR) and also with the Auto Invest option or the Secondary market (shame that there is a new fee for selling loans, but that’s a current trend in other platforms as well)
Now for a change an option from my home country (interesting even for international investors) – Bondster, Czech P2P platform where I have so far invested only in CZK and overall I am happy, for the diversification, even though the interest rates are a bit lower, especially in the CZK market.
That’s I think it’s a great opportunity for international investors to invest in EUR, it’s a great alternative to Mintos for example.
The EUR market is very attractive indeed, with loans offering up to 17 % interest and also with a buy back guarantee.
New P2P platform that is very trustworthy as it is closely cooperating with the most reliable Loan Originator that operates also on well known Mintos – and that is PLACET GROUP.
The advantage to invest to those loans on Moncera and not on Mintos is that you can get a bit higher interest rate, but also you get other benefits and securities that Mintos doesn’t give to you.
One of them is for example an option of “One click Exit” – to maintain capital liquidity by offering instant moneyback with One Click. You can sell your investments at any time and receive the money instantly. There is something similar what Mintos offers but you have to bear in mind that it will allow Mintos to invest your money also towards some not reliable loan originators, and that’s not worth it. 🙂
Moncera also offers 30 days buyback, 10 € entry point (investing for everyone), No pending payments (much better than on Mintos) and Auto-invest option.
The interface is super-friendly, very intuitive and overall it’s been a pleasure to use this platform. Totally recommend and it has also excellent reviews on Trustpilot (except one scam that is unfortunately lowering the excellent score)
This way you and I can get pretty nice bonus, otherwise you can also register without it 🙂
Referral code: 4davvb
6. CROWDESTOR
One of the more controversial platforms that is already part of the more risky investment portfolio, but with a very active and communicative team, they survived the covid-19 crisis and although very risky projects it can be an incredible oppurtunity for those who don’t mind, as it can also bring big rewards with a new bonus program and new auto invest option coming up soon!
very high interest rates (15 – 24 % ❗️ – be ready some projects will be delayed or even defaulted – so the real gain can be around the same level as the safer platforms (it’s difficult to predict though)
BuyBack Crowdestor guarantee and fund, which is not so good currently but getting better
interest starts to pay off once you invest your money even though the project is not funded yet (= If you made an investment before the campaign deadline, you will be rewarded with extra interest for those days)
Even if the project is not successfully funded, you will still be paid the interest rate for the days between your investment and the deadline of the project fundraising campaign)
Prime on security and transparency to make sure all of the investors can have the assurance that they are making the right decision.
many new opportunities where to invest and they introduce the new ones in advance on your mail! (I love that 🙃 )
minimum amount 50 eur per investment
NEW SECONDARY MARKET (so far even without fees, needs some improvements, but very nice improvement)
NEW layout and useful statistics about your investments
+ a brand new BONUS program if you register with my link! 1% for you + 1% for your friend = for 90 days
= earn extra 1% from the investments that you make. Starting from the first investment, you will continually receive 1% for the next 90 days.
Finally, if you are afraid that you don’t have “the big money” to invest at those platforms, don’t be afraid, at most platforms you can invest only from 10 eur per investment, so even if you have only 100 or 200 eur, you can slowly start to diversify the investments and slowly you will see that the money grows as a passive income 🙃
“Start small and dream big.” 😌
Also, if you are unhappy with your bank or if you are hesitating which bank to use for international transfers, I would like to recommend N26 online bank from Germany!
Also if you are interested in investing in ETF, I can recommend the broker of Degiro from Netherlands, it’s one of the most reliable and trustworthy, also with minimum fees 🙂
If you want to register, here is the link and get extra 20 eur welcome bonus! ♥
GOOD LUCK, HAPPY INVESTING AND BE CAREFUL BEFORE CHOOSING THE RIGHT PLATFORM!
There were many scams before/during the Covid pandemic that looked very professional!
via Envestio case, Kuetzal case, Monethera case and mostly Grupeer – the biggest disappointment among the P2P platforms
Stay well! ♥
“Always start at the end before you begin. Professional investors always have an exit strategy before they invest. Knowing your exit strategy is an important investment fundamental.”
Travel & Invest w/yt Adami 
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