N26 — Love your bank

2 year in, got my new metal card automatically due to suspected fraud. Didn’t had to do a thing! Any issue has always been resolved promptly in the app chat. Only I would say that cash deposit is an issue outside Germany, the cash 26 system for now is only available in Germany and Austria if I’m not wrong. For anything else N26 Metal is the new quality standard! Highly recommend also for traveling, been in US this year, best conversions rate I’ve seen, no hidden commissions, no nonsense conversions rates. Fantastic!

Slechte service absoluut niet tevreden mee werken niet mee denken enkel aan het geld voor hun zelf als ik minder dan 1 ster kon geven had ik het gedaan

Talked to customer support on the phone and via the support chat multiple Times, nothing helped, also sent all the documents the asjes for, still nothing, it’s my money I should be able to do with it whatever I want.
MY MONEY
I Will end my account

The only app with some poorly designed privacy system that makes my phone go dark even though I’m accessing it. Makes using this bank a terrible experience

Werkt altijd goed. Alles makkelijk te vinden. Echt tevreden over N26. Ga zo door!

App net een maand gedownload en me gehele account is geblokkeerd. Had net me salaris erop gezet, zit al 2 dagen zonder eten. Klanten Support drukt je gewoon weg, geven niks om je. Alleen downloaden als je je geld bevroren wil hebben.

Stay away from these cowboys. I got money in my account after selling my house ( from a notary, who by law checks everything before payment ), then came the surprise, without any notice they froze my account. I had to reach out to them since no one said anything to me. When I contacted them they closed the helpchat 2 times on me. I requested info but all it says: “security check 72 hours.” Its been almost a week now. No service, no explanation, just random messages from supoport with the same message ( seems like bots ). No one helps you, they all send the same. This happens a lot, check the recent reviews online. I contacted German lawyers and BaFin and they confirmed this too, they are a shady company. Thanks N26, I bet you are investing my money now and calling it a “security check”. Future customer do yourself a favour and run away from them, in my case its about €200.000+. I bet some clown will reply on this review trying to be amazingly empathic, dont be fooled with them. I am happy I saved all communication as evidence. Scam bank, I hope they revoke your license.

This is honestly one of the worst banking experiences I’ve ever seen.
I tried to open an account, and it kept giving errors for no clear reason. It’s not just me. I have 6 friends who tried the same thing. One from Canada, one from Romania, one from Austria, one from the Netherlands, and others too. All of them got errors during signup. That says everything.
The app looks clean, but it doesn’t work when it matters. What’s the point of a “modern bank” if people can’t even create an account?
I also heard from a friend in Denmark that he had around €900 in his account and it disappeared instantly. No clear explanation. No real support. Just silence.
There’s no physical bank, no real place you can go, and the chat support doesn’t respond properly. You feel stuck with no control over your own money.
I don’t recommend this bank at all. Actually, I would say avoid it completely.

I got recently a new phone (iPhone 17 pro). But when i want to login and the app tries to open the front camera it crashes. How do i verify and use the app again. I use it a lot for payments and are happy with the service. Need help to get it working again.

Grootste scam bank dat bestaat had letterlijk net geld erop gezet en ben men bank uitgegooid zonder reden

I was an early adopter of N26 and was apprehensive at first. After a couple of years of using N26 when traveling only I decided to move all my banking over and leave my legacy bank (ING).
I’ve never had a problem with this bank. Support has always been helpful, incoming and outgoing transfers are processed fast. I have completed control over cards and payments. The UI and DX is lovely.
My personal experience has been phenomenal, I know that hasn’t been the case for everyone but for me, I have been impressed and happy.

Opening an N26 account was easy, and the verification process went smoothly. You receive a free virtual card, and for €10 you can order a physical card. The debit Mastercard works very well and can often be used like a credit card, which is a big plus.
One thing to keep in mind is that the money on your account also counts as your available credit, so make sure you have sufficient funds. Adding money is easy via iDEAL, which is very convenient.
For now, I’m satisfied with N26. I’ve read many negative reviews about accounts being blocked, but I haven’t experienced this myself so far. At the moment, I’m a happy user.
Keep it up, N26!

What a bizzare and misleading marketing. N26 does not offer virtual cards whatsoever. There is only an option to order the physical Mastercard for 10€.

I had a mixed experience with N26, wanted it to be my main bank but it is impossible, unfortunately. After trying multiple times to have my documents recognized without success, even with contact with N26 support, I gave up. With other banks I didn’t have this issue, obviously with the same documents.

Why do I have to go through the whole ID confirmation process again after using the app for several tears? Intensely irritating! Thinking about joining a different bank!

Absolutely fantastic, easy to use and with the bestest customer service on the planet !

Helaas blijkt iDeal nog steeds niet correctste werken. Dus gebruik de rekening niet meer voor dagelijks gebruik. Jammer.

Fácil de usar, organizado y con opciones de pagos en cuotas muy conveniente ! También muchas promos con descuentos exclusivos y opciones de inversiones: Amo N26 !