Is N26 You better than AMEX Platinum for travelers without BKR?

N26 You (€119/year) requires no BKR check and offers complete Allianz travel insurance with cancellation coverage up to €10,000, while the AMEX Platinum (€780/year) does involve a BKR check but offers far more extensive lounge and lifestyle benefits. For anyone who wants to travel without a BKR check, N26 You is the more logical choice.

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