Good account BUT in UK you can’t save your payer detail
I was a bit sceptical to use a mobile only bank, but have found this to be very easy to use.
For the moment my biggest concern is that in the UK you cannot save details of your payees. This is critical for me. Every time I have to re enter a payee’s details there is an opportunity to mistype or otherwise make a mistake and send money to the wrong place! With a saved payee facility I could send a £1 transfer to ensure everything is entered correctly (and received) before sending a larger sum. I see this as an essential security item and don’t understand why it is not available on N26. Many other mobile banks like Starling have it. Come on N26!
For the moment my biggest concern is that in the UK you cannot save details of your payees. This is critical for me. Every time I have to re enter a payee’s details there is an opportunity to mistype or otherwise make a mistake and send money to the wrong place! With a saved payee facility I could send a £1 transfer to ensure everything is entered correctly (and received) before sending a larger sum. I see this as an essential security item and don’t understand why it is not available on N26. Many other mobile banks like Starling have it. Come on N26!
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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 aiming to bring this feature very soon. Please keep an eye out for updates about this on our social media channels.
Terrible decision to bank with N26
I’ve had an N26 account for a few months now and had no issue until I was transferred some money with had been in transit for seven days due to me cancelling a transaction to withdraw the money from an ATM I contacted the bank of how I could speed up the process of getting the money back quicker because they said it would take 12 days to show up in my account. I was told that if I could get proof from the provider of the ATM that it was a cancelled transaction that they should be able to speed up the process. They then went on to proceed with compliance checks for whatever reason and my account has been blocked for 3 weeks and I have bills and maintenance to keep up with. When I have contacted them about it I just keep getting the same responses of being patient and that they are working on getting back to me via email. It’s been a horrible experience banking with N26 and if this continues I will have no other choice than to take this matter to the law enforcement
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Response from developer
Hey, we want to apologise for the situation. We are working on resolving this for you and we sincerely thank you for your patience. If you do not have a response soon, please join us on chat. Thank you for letting us know.
Easy and fun to set up
Took me a total of 30 minutes to set up in the comfort of my home while enjoying a cup of coffee and another 5 hours to get activated. What a much better experience than having to set up an appointment at the bank after calling two or three times, be interviewed for 1 hour, wait two weeks to get activated. Got my debit card in less than a week in the
Mail (didn’t need to go to a branch), could set my own pin (didn’t need to wait for a separate envelope to arrive later with bank chosen pin) and as soon as I activate the card, I can add it to Apple Pay. Still haven’t been able to do that with my old bank for last 2 years! I look forward to using this for all my payments!
Mail (didn’t need to go to a branch), could set my own pin (didn’t need to wait for a separate envelope to arrive later with bank chosen pin) and as soon as I activate the card, I can add it to Apple Pay. Still haven’t been able to do that with my old bank for last 2 years! I look forward to using this for all my payments!
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Some glitches
I am liking N26 very much as I have been using it for a few months now as my main bank account but the app does seem to have a few flaws in it. For example;
It won’t let me transfer money for some reason, like I can confirm the transfer but the money still remains in my account and the person claims the haven’t received anything, I have contacted N26 numerous times about this matter but they seem to be prolonging the situation and asking for information that does not relate to what my problem is. It would be great if they could fix this technical error ASAP because if u cannot transfer money then my account will be quite useless!
Thank you.
It won’t let me transfer money for some reason, like I can confirm the transfer but the money still remains in my account and the person claims the haven’t received anything, I have contacted N26 numerous times about this matter but they seem to be prolonging the situation and asking for information that does not relate to what my problem is. It would be great if they could fix this technical error ASAP because if u cannot transfer money then my account will be quite useless!
Thank you.
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Response from developer
Hey! Thank you for your observations, we're really sorry that you were put in such discomfort. We'll forward your feedback to the corresponding department.
Good Account But Needs Work
The features of accounts are good, the upgrade features I feel are a little overpriced for what you actually get, especially insurance wise, because if you have pre-existing conditions, they are not covered.
1st Class departure lounges should be included, and not charged at £15 per flight extra, otherwise it’s not a feature.
Banking side of things, the app is easy to use and understand, extra accounts for saving are easy to set up and transfer seamlessly. The only issue I have is that you cannot store account details for faster payments to other people or set up standing orders. It’s a pain to have to keep inputting the same details every time you want to send money instead of picking from a saved list of set up payees.
This is a major feature that needs updating I feel to compete with other banks.
Direct credits by faster payment and BACS are not accepted and direct debits can be set up which is great.
Overall, it’s a great bank that like all new banks need to ‘tweak’ their service and pricing plans accordingly, but the free account is great if you’re looking for something basic 😊
1st Class departure lounges should be included, and not charged at £15 per flight extra, otherwise it’s not a feature.
Banking side of things, the app is easy to use and understand, extra accounts for saving are easy to set up and transfer seamlessly. The only issue I have is that you cannot store account details for faster payments to other people or set up standing orders. It’s a pain to have to keep inputting the same details every time you want to send money instead of picking from a saved list of set up payees.
This is a major feature that needs updating I feel to compete with other banks.
Direct credits by faster payment and BACS are not accepted and direct debits can be set up which is great.
Overall, it’s a great bank that like all new banks need to ‘tweak’ their service and pricing plans accordingly, but the free account is great if you’re looking for something basic 😊
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Can it be trusted and stick to your high street banking
I used N26 since it was launched in the UK however once I had about £6000 in the account I found it very suspicious as my transfer request would not go through which was quite a scary experience when a so called bank holding your money and transfer don’t go through.
When I contacted their support all I got is prothetic excuses and they didn’t even have a clue as to why my money would not transfer out instead told me to open a ticket which takes up to 24 hours to respond and even then they couldn’t answer.
What good is that when you need to transfer money right away.
I have never ever experienced anything like this with my high street bank and any small issues are resolved right away as for N26 well goes without saying
I personally can not recommend this type of online banking as I had first hand experience which was rather unpleasant.
I want to cancel my metal membership and still within 2 months of free period they start to bill me after 1 month and now I sent request to close the account due to extremely poor and unprofessional service I received, now they want to charge me for full year membership and refusing to close my account.
DO YOU REALLY WANT TO DEAL WITH THESE TYPE OF BANK?
STAY AWAY FROM BANKS LIKE THESE THEY ARE JUST HERE TO TAKE YOUR MONEY
LOOKS LIKE IM GOINNG TO HAVE TO HAVE A LEGAL BATTLE WITH N26 TO CLOSE MY ACCOUNT.
When I contacted their support all I got is prothetic excuses and they didn’t even have a clue as to why my money would not transfer out instead told me to open a ticket which takes up to 24 hours to respond and even then they couldn’t answer.
What good is that when you need to transfer money right away.
I have never ever experienced anything like this with my high street bank and any small issues are resolved right away as for N26 well goes without saying
I personally can not recommend this type of online banking as I had first hand experience which was rather unpleasant.
I want to cancel my metal membership and still within 2 months of free period they start to bill me after 1 month and now I sent request to close the account due to extremely poor and unprofessional service I received, now they want to charge me for full year membership and refusing to close my account.
DO YOU REALLY WANT TO DEAL WITH THESE TYPE OF BANK?
STAY AWAY FROM BANKS LIKE THESE THEY ARE JUST HERE TO TAKE YOUR MONEY
LOOKS LIKE IM GOINNG TO HAVE TO HAVE A LEGAL BATTLE WITH N26 TO CLOSE MY ACCOUNT.
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Response from developer
Hey, thank you for your observations, we're really sorry that you were put in such discomfort. We'll forward your feedback to the corresponding departments as we are always striving to improve our service, solutions and products for our customers. Please join us on chat if you have any questions and we´ll be happy to help. 🙂
Worst rip off you can ever get!
Ive applied to N26 Metal to use the facilties they have such as the Lounge access. After waiting a month until the card arrives and logging on to their stupid inefficient login process, it turns out to be that the lounge access it not even FREE. Every single bank that advertises a LoungeKey access provides them for Free and that is the whole point of it. If I wanted to pay then I wouldve gotten a regular lounge membership from somewhere else. What is the point of paying a hefty monthly fee when this bank doesnt provide anything special and doesnt even have a proper support! There is no telephone to call, their live chat is not working and plus their emails reply days after.
I requested my account to be cancelled or changed to the free one and they simply didnt! They said that your 30days has been finished and you need to pay for the whole year. This is terrible! It took 2 weeks for the card to arrive and since then I’ve been trying to reset my account password which never worked! NEVER EVER go to them. They provide false advertising, unreliable support and simply no point of it as a bank account! Its just the looks of that stupid metal card.
I would need proper support from N26 to contact me and get this account sorted as I will not pay £15 per month regardless of the 30days passing by when there is nothing for it!
I requested my account to be cancelled or changed to the free one and they simply didnt! They said that your 30days has been finished and you need to pay for the whole year. This is terrible! It took 2 weeks for the card to arrive and since then I’ve been trying to reset my account password which never worked! NEVER EVER go to them. They provide false advertising, unreliable support and simply no point of it as a bank account! Its just the looks of that stupid metal card.
I would need proper support from N26 to contact me and get this account sorted as I will not pay £15 per month regardless of the 30days passing by when there is nothing for it!
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Response from developer
Hey, we´re very sorry about your experience with your Metal card so far. Here is some information on what it includes: https://n26.com/en-gb/metal . Additionally, we´re always trying to add new partnerships and features to bring more value to the membership so you can take advantage of the offers. Thank you for your observations, we're really sorry that you were put in such discomfort. We'll forward your feedback to the corresponding departments and we hope you can give us another chance. 🙌
Great app with just one flaw
Great bank account and accompanying app for managing your finances.
I use this as my ‘spends’ account, I dump money in here from my primary current account that I have as spending money for the week/month. N26 is great for monitoring transactions - which are almost always instant and if not, incredibly quick, to display - and categorising accordingly.
You can also add hashtags for more niche categorisation though as yet it doesn’t seem you can search by these, which is a shame.
The big flaw is that you can’t categorise income. Anything going in to the account simply self categorises as ‘Income’ and you can’t change. This, for me, is a big shame, as it means you’re not accurately tracking outgoings. If I buy gig tickets for me and a mate at £25 each, I’ve got £50 of my outgoings tracked as ‘Leisure’, and when said mate pays me back the £25 it’d be ideal to categorise that as ’Leisure’ to offset my outgoings.
Hopefully this is one they’ll fix, and quickly. It seems too simple and too good not to!
I use this as my ‘spends’ account, I dump money in here from my primary current account that I have as spending money for the week/month. N26 is great for monitoring transactions - which are almost always instant and if not, incredibly quick, to display - and categorising accordingly.
You can also add hashtags for more niche categorisation though as yet it doesn’t seem you can search by these, which is a shame.
The big flaw is that you can’t categorise income. Anything going in to the account simply self categorises as ‘Income’ and you can’t change. This, for me, is a big shame, as it means you’re not accurately tracking outgoings. If I buy gig tickets for me and a mate at £25 each, I’ve got £50 of my outgoings tracked as ‘Leisure’, and when said mate pays me back the £25 it’d be ideal to categorise that as ’Leisure’ to offset my outgoings.
Hopefully this is one they’ll fix, and quickly. It seems too simple and too good not to!
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Disappointing experience
I have honestly never rated anything 1 Star. I was so excited to be part of N26 but was physically unable to join through the app. Was plagued with technical issues. Contacted customer service over 5 times they weren’t able to resolve even basic issues such as resetting my application so I could attempt to apply again.
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Response from developer
Hey, we´re very sorry for the experience you had and we would like to still partner with you. Could you head over to the bottom of this page on a computer: https://support.n26.com/en-de/getting-started/account/how-to-open-my-n26-account You´ll see the "start a chat" button below the table. An agent will help you out. This article also includes all the criteria needed to start an account with us. We hope we can help! 🙋
Perfect Until Something Goes Wrong, Huge Downside!
Currently in a nightmare situation because if something goes wrong, N26 doesn’t have a streamlined process to help you deal with it! Before that I loved the services as everything was really convenient.
I am new to Germany and forgot to pay a bill I didn’t understand I owed, and my account was frozen. I wish to settle the problem but it has to be done with paperwork the old fashioned way and this is where N26 is completely incapable of getting what needs done done. It has been frozen for more than a week now and best case scenario will remain frozen another week. During this time I can’t pay any of my other bills! It’s entirely possible I will end up defaulting on other bills triggering freezes and garnishments on top of eachother, basically ruining my credit and life here in this new country.
Because of N26 being incapable, my initial mistake is being compounded into a major crisis!
BECAUSE ITS A WEB BANK IF SOMETHING GOES WRONG YOU’RE SCREWED! There has been little help and the reps I can talk with via the App can do little themselves. Each time they are telling me to be patient and wait for contact from them, but I wait for days and that contact never comes and the only way to make a little progress on the process is to spend hours and hours repeatedly contacting them.
I am new to Germany and forgot to pay a bill I didn’t understand I owed, and my account was frozen. I wish to settle the problem but it has to be done with paperwork the old fashioned way and this is where N26 is completely incapable of getting what needs done done. It has been frozen for more than a week now and best case scenario will remain frozen another week. During this time I can’t pay any of my other bills! It’s entirely possible I will end up defaulting on other bills triggering freezes and garnishments on top of eachother, basically ruining my credit and life here in this new country.
Because of N26 being incapable, my initial mistake is being compounded into a major crisis!
BECAUSE ITS A WEB BANK IF SOMETHING GOES WRONG YOU’RE SCREWED! There has been little help and the reps I can talk with via the App can do little themselves. Each time they are telling me to be patient and wait for contact from them, but I wait for days and that contact never comes and the only way to make a little progress on the process is to spend hours and hours repeatedly contacting them.
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Response from developer
Hey. We're sorry you experienced this issue. We're constantly working on improving our service levels and quality. Have you been able to pay your bills ever since?
