Worst customer service ever!
If I could give negative star ratings, I would for this! I am not one to complain, but dealing with N26 was one of the worst customer service experiences I have ever encountered. Called the 888 number as advised by the website when validating my identity, and was put on hold for two minutes while they looked up my records. The agent was not able to give me ANY information as to why my request was denied. This just leaves a customer doubting and disgruntled. Asked to speak to a superior, and that was also not an option. My opinion certainly won’t matter to a banking institution, but if other potential customers could read this (and the list of other bad ratings on this platforms), at least we can spare them their time and grief!
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Awful bank! Will steal your money.
Woke up right after a student refund hit my account to my account and card being frozen. Support refuses to give any information and tells me it is a routine review due to unusual activity and to wait for an email. They locked it on a Thursday morning with no warning and left me with no access to my ONLY funds. Had to reach out to shelters and food pantries when I shouldn’t be in that position. After reading online and more reviews, this seems to be common practice for them. I’ve banked with multiple online banks and never had this happen. N26 are crooks and liars. They clearly have no intent on being a true challenger bank and are probably just data mining. AVOID AT ALL COSTS. I’m a freaking rideshare driver and student, what is so unusual about any of that? GIVE ME MY MONEY BACK.
Update - N26 closed my account after over a week of it being frozen with no answers whatsoever during that time. This bank is a legitimate scam. Don’t risk it. It looks nice, but that is literally it. The features are majorly lacking, customer support is a joke, and they will steal your money and respond to your reviews as if they care. STAY FAR AWAY FROM N26. My guess is they will exit the US market down the road with this type of service.
Update - N26 closed my account after over a week of it being frozen with no answers whatsoever during that time. This bank is a legitimate scam. Don’t risk it. It looks nice, but that is literally it. The features are majorly lacking, customer support is a joke, and they will steal your money and respond to your reviews as if they care. STAY FAR AWAY FROM N26. My guess is they will exit the US market down the road with this type of service.
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Response from developer
Hi Justin, we're sorry to hear about this. We strive to provide the best customer support, and we'll make sure this feedback is passed to our team. If you have any questions about your account, our support team is available 7 days a week. Best, Customer Support Team
I opened up an account several months ago
I opened up an account several months ago and followed all of the steps to open the account after I open the account a few months later they want me to verify myself again I had a hard time going through the app to send a copy of my drivers license to show proper identification I called up about it and they told me just to try it again later next thing I know they closed out my account and told me that they’re sending my money to me in a check before thinking about using this bank I would think twice because it’s a total waste of time they sent me out a debit card and then closed my account because they want to verify you constantly to make sure it’s you it’s totally ridiculous so think twice before using this bank
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BEWARE - Terrible experience!
After having used this as my primary bank for a few months once Simple announced they were shutting down, they randomly required me to do a new ID verification. One problem: both my license and passport had just expired, and this was right before a banking and federal holiday. No biggie, I thought, I’ll just try and reach out to their customer support to see if there’s any other ways to verify my identity to be able to oh idk log in and check my account balance. Good luck getting a hold of anyone!! I went almost a week without being able to check my account balance and got very familiar with the check balance features of ATM’s again. Once state facilities opened back up after the holiday I went in and got my license renewed and got the temporary license while I wait for them to mail my new ID (at least 2 weeks). I also finally got in touch with someone at N26 after several hour-long hold sessions. They refused to assist me and told me if I didn’t have a valid plastic ID in 3 business days they would cancel my account. What??? That’s way fewer days than it takes to actually get a valid ID! I pleaded with them, but they refused to assist me further. I immediately offloaded all my money to a cash app card and sprinted to my nearest local bank and opened an account. Don’t trust these folks with your hard-earned dollars. If I hadn’t been able to figure this out in time I would have been fully screwed and starving.
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Response from developer
Hi Kyle, we are very sorry to hear about your experience. We will make sure to pass your feedback along to our team because we strive to provide excellent customer service. If you need any other assistance or have any questions please do not hesitate to call our support team at 1-888-N26-0-N26 (1-888-626-0626). Best, Customer Support Team
Don’t download
I used N26 banking for about a year. Everything worked fine and no money ever went missing or anything like the other reviews fortunately. But, I ran into a problem and got my account closed even while talking to customer support.
So, I got a notification saying I needed to verify my email by 7/9 so I went to do it this morning. I verified my brand new driver license (just came in the mail yesterday) and took the promoted photos and the system rest itself. I did this again, twice and was locked out. I sat on the phone for about 25 minutes the first call, and my customer service rep was helpful told me it had something to do with my image quality. Okay; maybe I just made a mistake. So I try again; same issue, this is how my morning has been for the past 3 hours. About 5 minutes ago, the final CSR I spoke with let me know that I have tried to verify too many times, and that my account would be closed. I was following the instructions to a tee, and got my account closed and now my savings is gone. I am aware I can try to get my savings but now I have to go through the process of starting a new bank account; waiting to be mailed a new debit card, and reaching out to all the employers I’m supposed to receive money from and let them know my account was closed for something that was not my fault AT ALL. Do NOT download this app or give them your time or service because they do not care at the end of the day.
So, I got a notification saying I needed to verify my email by 7/9 so I went to do it this morning. I verified my brand new driver license (just came in the mail yesterday) and took the promoted photos and the system rest itself. I did this again, twice and was locked out. I sat on the phone for about 25 minutes the first call, and my customer service rep was helpful told me it had something to do with my image quality. Okay; maybe I just made a mistake. So I try again; same issue, this is how my morning has been for the past 3 hours. About 5 minutes ago, the final CSR I spoke with let me know that I have tried to verify too many times, and that my account would be closed. I was following the instructions to a tee, and got my account closed and now my savings is gone. I am aware I can try to get my savings but now I have to go through the process of starting a new bank account; waiting to be mailed a new debit card, and reaching out to all the employers I’m supposed to receive money from and let them know my account was closed for something that was not my fault AT ALL. Do NOT download this app or give them your time or service because they do not care at the end of the day.
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Response from developer
Hi there, we're so sorry to hear about this experience, and we understand your frustration. We do hope that you will sign up again with us, and if you have any questions about your previous account, please do not hesitate to contact our customer support team by phone at 1-888-N26-0-N26 (1-888-626-0626). Best, Customer Support Team
No customer service/ take your money elsewhere
Software is buggy, and no customer service with 1 hour+ wait times, frequent freezing of your account and your debit card gets compromised here, despite their “intensive” security measures. Their annual ID verification is a total joke because after you’ve been on hold for an hour and a little frustrated as a customer, they will disconnect on you if you exhibit any signs of frustration. They expect you to rely hopelessly on their malfunctional computer software to verify your photo ID annually, and this is just not worth it to look forward to this hassle, not only once a year. This bank has absolutely no regard for its customers nor its customers’ money. This bank feels “entitled” over its customers and its customers’ funds, and does absolutely nothing to assist when there are issues.
*Update and response to N26’s response to my review: All the robotic responses from whoever is copying and pasting generic text responses to all the negative reviews in order to make N26 look like they are “listening” to their reviewers only makes them look moreso out of touch or else verifies their own incompetence to be in business
*Update and response to N26’s response to my review: All the robotic responses from whoever is copying and pasting generic text responses to all the negative reviews in order to make N26 look like they are “listening” to their reviewers only makes them look moreso out of touch or else verifies their own incompetence to be in business
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Response from developer
Hi there, we have live people responding on our social media, and we're sorry to hear about this. We understand your frustration, and we want to help. If you need any assistance or have any questions, pease give our support team a call at 1-888-N26-0-N26 (1-888-626-0626). Best, Customer Support Team
AVOID N26 AT ALL COSTS
Please don’t make the same mistake I did… Run far far away from N26.
Background: N26 had an update to their systems this week that required customers to reverify their identity by submitting a picture of a photo ID.
The Problem: I opened the app, followed the steps, and submitted photos of the front and back of my ID. (The exact same one I used to open the account originally) I was then shown a message in the app to contact support. When I did, they told me that their internal review team, who wouldn’t speak to me, had rejected the photos I sent in for some undisclosed reason. They then made it VERY clear that my account was going to be closed no matter what I do, and that I better find a new bank for the funds or else they were just going to mail me a check.
So if you want a reliable bank? Don’t use N26.
If you want good customer support? Don’t use N26.
If you want security, and to know that your money is in good hands? Don’t use N26.
If you want a bank that won’t just “have an update,” and randomly close your account? Don’t use N26.
Please please please avoid this bank. You don’t want the stress I’m going through right now, I promise you.
Background: N26 had an update to their systems this week that required customers to reverify their identity by submitting a picture of a photo ID.
The Problem: I opened the app, followed the steps, and submitted photos of the front and back of my ID. (The exact same one I used to open the account originally) I was then shown a message in the app to contact support. When I did, they told me that their internal review team, who wouldn’t speak to me, had rejected the photos I sent in for some undisclosed reason. They then made it VERY clear that my account was going to be closed no matter what I do, and that I better find a new bank for the funds or else they were just going to mail me a check.
So if you want a reliable bank? Don’t use N26.
If you want good customer support? Don’t use N26.
If you want security, and to know that your money is in good hands? Don’t use N26.
If you want a bank that won’t just “have an update,” and randomly close your account? Don’t use N26.
Please please please avoid this bank. You don’t want the stress I’m going through right now, I promise you.
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READ BEFORE DOWNLOADING!
I want to first say that I have never in my life written a bad review for any company or service whatsoever. It is not my personality to do so. However, I feel inclined to warn new users to the COMPLETE SHADINESS of this company before it's too late. My wife and I both opened an N26 account several months ago. We used it for receiving our pay from work, and had a few miscellaneous personal transfers/gifts etc. ALL OF THE SUDDEN in April, BOTH of our accounts were frozen without warning. We couldn't make transfers, purchases or touch our money in any way. After 30 days of sending dozens of emails and having NO RESPONSES and WITHOUT any warning, we were told our accounts would be closed and we needed to provide another bank account for them to transfer our money. They gave no reasoning and once again did not respond to ANY OF OUR EMAILS. Another 30 days went by, and still nothing. No sign of our money, our accounts had both already been closed so we no longer had access to even be reassured that our money was still there. After contacting several 3rd party companies for help in filing official complaints, our money finally showed up after a total of 2.5 months of completely being in the dark and not knowing what was happening. If you feel like I am exaggerating, just google "N26 blocked my account" and read the 100s of OTHER STORIES THE SAME AS OURS. Unless you feel like gambling your money, DO NOT use N26.
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Response from developer
Hi there, we're very sorry to hear about this. We'd be happy to take a further look into this issue you experienced. Please contact our customer support by phone at 1-888-N26-0-N26 (1-888-626-0626) for further assistance. Best, Customer Support Team
I can’t access my account
It gives me an error message saying my password or email is wrong, but both are fine. Horrible.
Response from developer
Hey Joe, We're sorry for any login issues. Please open a secure live-chat from our support centre so we can assist. You don't need the app to use the chat from our support pages. Best, Peter, N26 Support.
Blocked account for no reason
They randomly blocked my account. I just use this account to pay my rent and purchase normal store bought things. The chat gives no information. You cant ask for a supervisor or the chat will end the call. I was never called to advise this was happening. It says fraudulent activity. I am a good person. So at this point I don't see my deposit and i am unable to touch my account. I am to wait for an email with no specific time frame. I was really happy with this bank until now when I was shown how little access I have to anyone or anything. You cant talk to a live person, you cant go to a bank (i live in US), no phone number to call. Its really under there control. Chime bank has never done this to me and I have been with them for years. I plan on closing this account as soon as I have access to my money. DO NOT OPEN AN ACCOUNT with them. Trust me. Otherwise you would end up like me.
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