Severely limited and mismanaged
Can't pay bills. Can't send money or transfer out. Can't deposit or write checks. Can't get a complete answer from chat support's scripted replies. Money only can go in via direct deposit or bank transfer, and only can go out by using the debit card to spend or get cash.
After realizing how useless N26 was, I asked to close my account. They said I either had to empty it first or transfer it all to another N26 account! Then after a couple of weeks I got an email asking for details on what other bank account I wanted to transfer the balance to, I told them, and the next day the money appeared there. All good, but... I could still use the app to access my N26 account and the same balance was there too. Looks like they messed up something, but I got my money back so it's not my problem anymore.
P.S. N26 in the USA isn't a European bank - they partner with Axos, another USA bank.
After realizing how useless N26 was, I asked to close my account. They said I either had to empty it first or transfer it all to another N26 account! Then after a couple of weeks I got an email asking for details on what other bank account I wanted to transfer the balance to, I told them, and the next day the money appeared there. All good, but... I could still use the app to access my N26 account and the same balance was there too. Looks like they messed up something, but I got my money back so it's not my problem anymore.
P.S. N26 in the USA isn't a European bank - they partner with Axos, another USA bank.
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Very easy and fast account opening for the US (only took 5mins!!!)
App is very easy and Debit Card came very fast. Account opening process is unbeatable with no admin and no headaches and ultra-quick! Congrats to N26 team! Account is opened within the app in a snap and it will verify your ID and you’re ready to go. Linking your external bank accounts to N26 is also very easy as well as moving money works like a charm. Can’t wait to see more what’s coming. Apple Pay doesn’t work yet but should be up soon after beta mode is over (was told ETA end of August for US accounts). Some features like check and cash deposits should be added and hope that will come in due course. Based on fees N26 is better than Revolut with no foreign transaction fees and no account fees.
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Disappointing
At first all seems well then there was a problem receiving 2500. I understand what they said it would be available on Monday (this was Friday) but I was expecting an immediate transfer and this was for a bill that I had. I gave them the benefit of the doubt as they are a fairly new bank and will have teething problems. I just thought I’ll not use this for anything on a Friday again.
Like most of us I’m a cash in one hand and out the other and juggle the occasional bill. I’m sure I’m not alone.
But then transfer of 1000 incoming on Monday and I’m still waiting and I know the details were correct as sender sent a screenshot.
I thought ok must be 1000 plus but today someone sent me 300 and not arrived. This hasn’t been an issue for this kind of amount before.
I hope not all these kind of banks are the same because I was all for using such companies but it’s very very unreliable.
I WOULD AVOID AT ALL COSTS IF U TRANSFER OFTEN!!
I have been left humiliated by people I guarantee that I will transfer money.
Who gets interest on this missing money? They claim an independent body 😂
(First time I have ever felt so strong to leave a review on ANY app, and generally I’m a positive person who doesn’t really moan)
Like most of us I’m a cash in one hand and out the other and juggle the occasional bill. I’m sure I’m not alone.
But then transfer of 1000 incoming on Monday and I’m still waiting and I know the details were correct as sender sent a screenshot.
I thought ok must be 1000 plus but today someone sent me 300 and not arrived. This hasn’t been an issue for this kind of amount before.
I hope not all these kind of banks are the same because I was all for using such companies but it’s very very unreliable.
I WOULD AVOID AT ALL COSTS IF U TRANSFER OFTEN!!
I have been left humiliated by people I guarantee that I will transfer money.
Who gets interest on this missing money? They claim an independent body 😂
(First time I have ever felt so strong to leave a review on ANY app, and generally I’m a positive person who doesn’t really moan)
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Terrible bank.
At first this bank seemed great but once the cracks appeared the whole building crumbled. You cannot make payments to o2 which resulted in late payment charges after being lied to by N26. A lot of online transactions get declined but the bank put your funds into holding and you cannot access the money for 3 weeks even though they told me it would take 2 days. It took several weeks to get my money back when my card was stolen and when I done a direct debit indemnity claim I was told I would get the money back in 1/2 days it took a week. Everything is hard work and customer services is appalling, they do not care, lie repeatedly and just do everything to get rid of you and tell you so many contradictions. Nothing about this bank is good and once you have even the slightest issue it will turn into an absolute nightmare.
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Support people asking for full SSN
DON’T trust this company with your data. It’s a ticking data theft time bomb.
I had a surreal experience with customer support. I had a typo in my email during the signup process and was then told to contact support. I contacted them in their support chat and among other things was asked to provide my full SSN. No support person should ever ask you for the full SSN, least of all in a chat window. Very concerning that there’s a support person who either directly handles inputting of SSNs or reading SSNs in their internal system. It’s simply not necessary to get someone’s full SSN in a support interaction. Name, address and last 4 digits of SSN should be enough. Instead SSNs are accessible to support people, which doesn’t make me trust that this company follows industry best practices in regards to data encryption. Regulators should be made aware of this.
I had a surreal experience with customer support. I had a typo in my email during the signup process and was then told to contact support. I contacted them in their support chat and among other things was asked to provide my full SSN. No support person should ever ask you for the full SSN, least of all in a chat window. Very concerning that there’s a support person who either directly handles inputting of SSNs or reading SSNs in their internal system. It’s simply not necessary to get someone’s full SSN in a support interaction. Name, address and last 4 digits of SSN should be enough. Instead SSNs are accessible to support people, which doesn’t make me trust that this company follows industry best practices in regards to data encryption. Regulators should be made aware of this.
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Thank you
A bank that in my opinion paves a gateway for the next generation of banking lead by a company based in Europe. Simply put it’s unlike their competitors in the languages they speak as well as the contact methods they have available all while having no or little fees. I’ve used competitors of N26 and I can honestly after speaking with a customer service representative that I’m excited to be able to be a customer of this bank as well as get my card. The employee made me feel like they loved and priced themselves with working at N26 where most banks make you feel like the employees hate their jobs and are just there for the money ❤️
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Amazing!
Quick application process ending in face to face conversation with a real person online who asked questions and explained how to position ID for photos etc. Card arrived within three days! Incredible service - thank you!
One of the best online Banking
Can’t seem to find any fault, unless delay on weekends when transferring money from Bank account to N26 but figured out banking days and times and it works just fine; always do transaction on transferring money from Monday til Thursday (working days) and possibly before 12pm (that’s where all banking transaction service are done). On Friday, because banks are closed on weekend your transfer will arrive on your account on the following Monday.
Other than that, I’ve been using N26 since last year, I have the black card and it never let me down. No fees when withdrawing money from bank ATM and same when paying. Great app and great banking!
P.S: Little advice when withdrawing money abroad with N26, never take your money from LINK ATM because they will charge you 3€ for each transaction you do with their service.
Other than that, I’ve been using N26 since last year, I have the black card and it never let me down. No fees when withdrawing money from bank ATM and same when paying. Great app and great banking!
P.S: Little advice when withdrawing money abroad with N26, never take your money from LINK ATM because they will charge you 3€ for each transaction you do with their service.
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N26 metal review
I am a customer of N26 in the UK with metal membership. To my mind N26 provides a very basic account, although N26 has some nice features like spaces. Things I like about N26 metal: access to airport lounges, travel insurance and free “unlimited” cash withdrawals abroad are included in metal membership. When I had issues with free unlimited cash withdrawals support said that I can only withdraw 500 GBP each 24 hours. Why there is a setting in app allowing to control a daily withdrawal limit which I set to 2500 I don’t know.
Things I don’t like:
Personally, I find interface very confusing and unintuitive and always struggling to find what I need.
Fingerprint log-in is only for 30 days and it’s very annoying when app requests password at the moment when you need to open app urgently and have to dig out the password (I don’t remember all my passwords).
There is no possibility to keep various currencies, so I cannot exchange in advance when exchange rate is favourable.
Top up is only possible via bank transfer and not via N26 app itself.
In general, simplicity is good but N26 for me is a bare current account with the only feature I actually find useful - spaces. The rest useful things are perks of metal membership.
Things I don’t like:
Personally, I find interface very confusing and unintuitive and always struggling to find what I need.
Fingerprint log-in is only for 30 days and it’s very annoying when app requests password at the moment when you need to open app urgently and have to dig out the password (I don’t remember all my passwords).
There is no possibility to keep various currencies, so I cannot exchange in advance when exchange rate is favourable.
Top up is only possible via bank transfer and not via N26 app itself.
In general, simplicity is good but N26 for me is a bare current account with the only feature I actually find useful - spaces. The rest useful things are perks of metal membership.
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Response from developer
Thanks for taking the time to let us know. We take this sort of feedback very seriously, so we will be passing this on for you. Outlining where you think we can improve helps us to prioritise where we need to improve, so we appreciate this. Best, Your N26 support team.
Doesn’t work at all shops
Apparently they don’t work in any Sainsbury stores. It’s a terrible experience when you put through all your groceries and you find out that your primary bank card doesn’t get accepted and is declined before even putting your PIN in. N26 couldn’t give me any time frame for when they would fix the issue. It’s been over a week since it first happened. I would recommend going with another online bank that actually works.
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Response from developer
Thanks for taking the time to let us know. We take this sort of feedback very seriously, so we will be passing this on for you. We are working hard with Sainsburys to get this issue fixed, as the problem is with their payments system and not our own. We do however apologise for the experience you had.
