N26 User Reviews

Reviews Summary

Top reviews

Worst support I’ve ever experienced

One of the worst banking support experiences I’ve ever had, I really did think it was ok generally and have been a loyal customer, until you actually need support, then you are lied too, and one guy made a complete mistake and reset my whole account, has left me basically stranded in a foreign country with no ability to access the app or use my card which I sent them instructions I got from the N26 website to resolve but they don’t actually read them, this is my only source of money and when I ask for a phone number for someone to actually speak to for help they drop off the chat and I’m forced to wait 2.5 or more before the next person comes who can’t help. I’ve been promised call backs which have never happened, left needing to seek legal counsel just to try and resolve this.
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Response from developer

Hey, we are sorry to hear that! If you are still having issues with your account, feel free to send us a DM in one of our social media channels, we'll be glad to help. We're available on Twitter (X) and Instagram via @N26 or on the N26 (DE, AT, CH), N26IT, N26FR or N26 ES Facebook Pages. Best, Bella, N26 Team.

THIS BANK IS NOT SAFE

My current account was drained of €13k via 54 different transactions in foreign countries and not one was flagged or stopped by N26. I contacted N26 about the unauthorised and unrecognised transactions. They took over 5 days to respond, saying that they had ‘closed my case’ as it was a google Wallet issue. I don’t have google wallet. I asked for proof. They said they couldn’t provide those documents. No emergency money was offered, despite me now having no money and 3 kids. You cannot get through to anyone on web chat. I found a phone number on my card and had to magnify it to read the numbers. No one answers. I messaged X, insta, Complaints, no one responds or helps. The only message I received was N26 telling me they have charged me for the overdraft because I’m in arrears!! My money was stolen, my lawyer says N26 is legally obliged to pay it back, it is just appalling that a simple fraud case like this has to go to the ombudsmen. I regret ever ever trusting this bank to keep my money safe.
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Response from developer

Hey, we're sorry to hear that this process has been frustrating for you. We are a regulated bank and protecting your account is our top priority. In digital wallet scams, criminals retrieve a cardholder's details and add them to their own digital wallet on a device they control. They can get this information from you through social engineering, or by buying stolen data off the dark web. You can find more information about this topic in our Support Center: https://support.n26.com/en-de/security/account-protection/protect-against-digital-wallet-fraud. If your dispute was already rejected and you feel that's incorrect, you can make a complaint: https://support.n26.com/en-eu/account-and-personal-details/miscellaneous/how-to-file-a-complaint. Our complaints team will provide you with more information if you want to proceed with your complaint with the relevant authorities. Best, Bella, N26 Team.

N26 decides to close my account!

Not a friendly bank at all … just good enough if you are managing pocket money and stick with a very mainstream bank use.
If you are willing to move money more than 2K, forget it: they will ask you tons of question why you are moving that much etc…
If you are willing to invest in risk assets such as shares or cryptos : forget it!
N26 will question you like you are a dummy which I found very disrespectful.
Dealing with N26 support was also a very disappointing experience.
A traditional bank is actually providing better service with less fuss!
Do you own research before engaging with that bank.
I spent a lot of time comparing banking solutions to suit my needs and N26 is at the bottom of my list.
In 2024, we deserve better banking solutions and less middlemen that are just holding our assets to their own benefits.
It’s not a surprise since 2008, the crypto industry is getting more interest from the public as it offers access to innovative finance solutions where the banking system is failing poorly.
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Response from developer

Hey, thanks for the feedback. As a regulated bank, we have to conduct checks on all payments. Best, Peter - N26 Support

Meaningless error messages and illogical lockouts

When I try to send a payment I get “transaction failed due to a technical issue”
Which no support person knew the meaning of either.
If I type the password wrong by accident I am then locked out for 30 mins - even if I type the correct password!! Where’s the logic in that?
Also why is there no pin login like every other banking app?
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Response from developer

Hey Will, thanks for your feedback. We are sorry to hear that you had issues to make a transfer. If the issue still persists or if you are having issues to access the account, feel free to reach out to us in our social media channels. We'll be happy to help! We're available on Twitter (X) or Instagram via @N26 and on the N26 (DE, AT, CH), N26IT, N26FR or N26ES Facebook Pages. Best, Bella, N26 Team.

Scam without support

This is not a bank. You can easily open an account and deposit your own money, let’s say 10 EURO than with no reason the bank will close your account without option to contact their support. The app is buggy and won’t let you contact anyone. Lack of support and unclear sign up and verification process. I do not recommend the risk of depositing any funds. Pick Wise or Revolut instead.
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Response from developer

Hey! There are many reasons why an account may be blocked or closed. This would include improper usage of the account, a serious breach of the T&Cs, or any behaviour that goes against the general rules of conduct set between the customer and the bank. We'll never hold funds indefinitely and we'll also keep you as informed as possible whilst also adhering to our regulatory obligations. If you need further information, feel free to reach out to us in our social media channels. We'll be happy to help. We're available on Twitter (X) or Instagram via @N26 and on the N26 (DE, AT, CH), N26IT, N26FR or N26ES Facebook Pages. Best, Bella, Your N26 Support Team.

Service trop lent et inefficace

Pour vérifier l’identité cela prend 2 à 3 jours.
Je contacte trois conseiller clientèle; le 1er ne m’indique pas que les délais peuvent être aussi long, le deuxième ne me répond pas(soit disant problème de connexion) et la troisième m’explique que c’est un délais qui est indicatif et que en général en 3h la vérification est faite. J’explique que je suis à l’étranger. Je n’ai pas de liquidités et je ne peux même pas acheter à manger. Donc en cas d’urgence la réponse c’est débrouilles toi! HONTEUX!!!!
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More confusing with every update

Why do you keep moving the ATM locator? Don’t you have useful stuff to do? Also where’s my 3-month average? I swear with every update it gets more confusing

Response from developer

Hey, thanks for the question. We've removed the ATM locator. We plan to give it a clean up before we put it back in the next week or so. We apologise if this has inconvenienced you. Best, Peter - N26 Support

Glitchy and not user friendly

This has got the be one of the most annoying apps when trying to use your bank account. The verification process when trying to open an account can’t be done on the webpage it seems and the app keeps glitching out and not uploading my documents. Then when I try to go to customer support down, a notification come up telling me to go to the app when I’m already in the app.
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Response from developer

Hi there, thanks for reaching out. If you are having issues passing verification and need to contact support please use this link: https://support.n26.com/en-eu/chat Best regards, Ben, Your N26 support

New Card

Thomas was extremely helpful after sudden cancellation of old card

Very easy and simple

The way banking should be done! Super simple and easy to open an account - and easy to transfer and recover money. Definitely recommend

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