I have all 3 of them…
N26: Nice but a bit boring. You get an IBAN and they gave me a Mastercard and Maestro card. Transparant pricing. Nice app. It all works ok, but that’s all. Nothing new. And in the past months incoming transfers to N26 sometimes took a very long time.
Revolut: More options than N26. They gave me a Mastercard and Maestro card. I really love their disposable virtual visa card. It’s a card you can generate in the app, and it can be used only once. It’s perfect for trial subscriptions if you have no intention to continue after the trial But I do not like Revolut very much. The only reason is that it took me too much time to understand their pricing structure and exchange rates. The only thing I understand is that for some currencies they are much more expensive than N26 and Transferwise. There is also no website. And I heard some horror stories about people with blocked accounts. Unblocking requires sending proof of where your money comes from, but that’s not nice when you are somewhere far and try to get money from an ATM. No really suitable for travel that way. I use it as a backup.
Transferwise: They only gave me a Mastercard, no Maestro. I like to have both cards, because where I come from Mastercard used to be almost useless. I also like 2 cards when travelling. The Mastercard to use, the Maestro card in my luggage in case I loose the Mastercard. That way I can always get some money. Transferwise is nice for international transfers. The Mastercard seems like a side issue for them.