Pretty app easy to use, and a well thought out website, but truly I do not get all the hype. With my wife we have each an account. Before opening the accounts we were hoping of using the so-called free withdrawals offered. In Spain you get systematically wacked 2,00€ or more for each withdrawal. N26 claims that you have 5 free withdrawals, but seeing they have NO control on the owners of the ATM machine this is a false claim. N26 says not too worry, during the withdrawal procedure the ATM machine will inform you of the fee and you may cancel the transaction. Another lie! It is not so simple. I cancelled a 300,00€ transaction because the Spanish ATM fee was unacceptable and yet I was debited 300,00€. These 300,00€ of a so-called cancelled transaction were returned to me after more than 2 weeks. This is the perfect way to ruin a holiday. "Cancel" 3 ATM transactions and find yourself out of 900,00€ for weeks.
This information should be given by N26 before the opening of an account.
I have also found customer service on the chat very kind but usually incompetent. They told me that if my money was blocked it was because I cancelled the transaction, they could not get that having a cancelled transaction debited just like a real transaction makes no sense. Also questions on direct debits were clearly beyond the competence of the assistant I got. Telling me a that all payments are no problem is pretty useless if I am spefically asking about direct debits, which I am told are NOT always easy from Spain or Italy to Germany.
Review by CherDee5 months ago
Horrible experience with them after just 2 Weeks of joining!!!
They changed my account without prior informing me and charge me fees for withdrawals and account maintenance!!! They do not even have the audacity to inform customers prior to making changes. They just assume anyone is willing to gift them money for zero work. I have had other parallel accounts for 10 years (all accounts well maintained) and never had to pay any fees, neither for withdrawals or maintaining an account.
Was enough to recommend them to my friends and social media followers!!!
And that for an online bank that has only chat bots and email as a form of communication. Phone contacts is simply non-existent. #notwithmymoney #mymoneymyrules #n26
I would not recommend them after this experience.
Review by Grety Kyritsis5 months ago
WORST BANK EVER! Only chat bots available. I sent a request for a name change and after one year still no one worked on it. Absolutely the most incompetent bank I ever had!!!
Review by Robberbaroness5 months ago
I have been loosing money every day for 7 days by not being able to make a transfer due to a new device needed to be paired. Customer service seems to be on a holiday.
Review by Aukse6 months ago
Money was stolen from my account. Support is absolutely useless and even lied to me.
Then s few months later N26 terminated my account without giving a reason.
Support now even ignores me!
The app looks nice, but that's it.
N26 feels like a scam.
Be aware that they put much more effort in people who answer reviews in the app-store than in people supporting their customers. They try to uphold reputation .... possibly for new victims
Review by Sivarama6 months ago
- Lots of hidden fees (new card 6€, of course, a cheap poor quality card will break at some point - others bank issue a second card for free)
- 3 € for a return debt (my home bank where I get my sallary charges only 0,68 €)
- Once a SEPA is done you can't cancel it, even if it is a few minutes after it is done. Again, my home bank would do it in a few minutes without any hassle.
- No real customer service. Agents have no clue what they are doing and most understand nothing about banking
For a second account great. Never as a main bank account. It is an account to play with, not to suit your daily needs.
Review by Dessi6 months ago
The team has always been helpful when I needed them. The app, however, could be improved. Maybe because I don't use the newest phone confirming a payment is sometimes an issue.
Review by Lesliann6 months ago
Started with a N26 because of low costs to withdrawal money in exterior (I had the black paid card). In less then 6 weeks N26 froze the account (I did receive crypto payments on it). I got an email saying: we cannot continue offering you an account, your account will be closed in 2 weeks. In those 2 weeks you have time to withdrawal your remaining funds. Not true, I was not able to make any payment/transfer nor to withdrawal in cash. Endlessly contacted support and chat but no response (chat actually mentioned all time the same: we refer to the mail we have send you, I will close the chat now). Received the mail they will close my account on the 13th of may. 27th of May will be day that the account is officially closed. Now, on June 15 I’m still waiting for N26 to send me the funds that are still in my account (several hundreds of euros).
They promote with service, technology etc etc but to be honest it is just a scam... holding illegally some persons money for over a month now.
I send them one last mail (as a holy Mary) begging to send me the money (provided them with alternative Iban account on my name) but still no response. If they don’t solve it the next week, I feel forced to go to court, I’m sure there are more people out there with the same experience (reading different fora) so feel free to join me.
Review by Sphephelo6 months ago
Closed the account after 1 week for no reason.
Then they ask for an alternate IBAN to send the money to.
I give them this IBAN and they give a generic answer after a couple of days writing "we'll let you know".
Then I contact the chat AFTER THE DATE IN WHICH THE MONEY WAS DUE and stupid as%^^^le says "oh, they told me that you'll know more about it" and CLOSED THE CHAT ARBITRARILY!!
Fu^&^% THEM SCUMBAGS! now they are in the hands of police and Lawyers.
Review by Charnequa Yakish7 months ago
Do you want to trust your money with a bank , who you cannot speak to? :)
I made a mistake , avoid it for your better sake !!!!
Chat support is horrible, and thats the only support you get !!
Complaints team is a Myth .... not even sure if it even exists as never had a response from them .
God forbid, if you ever had to make a chargeback ... No need to go Disneyland .. N26 will give you the ride of your life !
Review by Franchester7 months ago
Free card shipping and 15€ credit.
No taxes or fees, receive your free card and 15€ welcome credit!
Use my ambassador code to receive the offers: mariajor6397
Review by Emilton7 months ago
I use the N26 like my main account because standard german banks are very, very bad.
DB, the biggest bank in germany and that bank that I was working with, it is a mess.
In this case, I decided to make an account at N26. I did that 6 months ago and I had no issues with them.
I use it all the time for international transfer and when I am traveling out of EU zone. Everything was fine for me.
Some small issues with the app (sometime is crushing) but still better the alternatives.
They need to be the future! I hope that standard banking will collapse soon!
Review by PamelaTowers Ruberu8 months ago
I have been using this bank already for several months 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 wait for another day, it arrived still the very same day - and without any fees! Amazing
And the interface is so user-friendly, both on the app and on the desktop browser.So what are you waiting for? 💛
With me, you can register even with a simple 10 EUR welcome bonus!
n26.com /r/vojtecha6324 (copy the link and delete the space:)
www. n26.com /r/vojtecha6324
Review by Yesung9 months ago
Very bad. Support does not work, only in the afternoon. And it constantly throws you out of the contact form, because their site is poorly tuned. Answers to questions clearly can not give. They lie. I have screenshots.
Today, 3 hours I can not make a translation, because their website and APP do not work. There is an update of the servers, about which they did not consider it necessary to warn you. Scammers. I will never use this bank again.
This is my money, and I have not been able to access them for so long. This is too big audacity on the part of the bank.
N26 is rated 2.0 based on
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